:root {
    --primary: #2B6CB0;
    --primary-dark: #1A4D80;
    --primary-light: #4A9BE8;
    --secondary: #48BB78;
    --secondary-dark: #38A169;
    --accent: #F6AD55;
    --accent-dark: #ED8936;
    --purple: #805AD5;
    --pink: #ED64A6;
    --navy: #1A202C;
    --dark: #2D3748;
    --gray-900: #1A202C;
    --gray-800: #2D3748;
    --gray-700: #4A5568;
    --gray-600: #718096;
    --gray-500: #A0AEC0;
    --gray-400: #CBD5E0;
    --gray-300: #E2E8F0;
    --gray-200: #EDF2F7;
    --gray-100: #F7FAFC;
    --white: #FFFFFF;
    --gradient-primary: linear-gradient(135deg, #2B6CB0 0%, #4A9BE8 100%);
    --gradient-warm: linear-gradient(135deg, #F6AD55 0%, #ED64A6 100%);
    --gradient-cool: linear-gradient(135deg, #48BB78 0%, #4A9BE8 100%);
    --gradient-hero: linear-gradient(135deg, #EBF4FF 0%, #F0FFF4 50%, #FFFFF0 100%);
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
    --shadow-md: 0 4px 12px rgba(0,0,0,0.1);
    --shadow-lg: 0 10px 30px rgba(0,0,0,0.12);
    --shadow-xl: 0 20px 60px rgba(0,0,0,0.15);
    --radius-sm: 8px;
    --radius-md: 12px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --radius-full: 9999px;
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
    scroll-behavior: smooth;
    scroll-padding-top: 80px;
}

body {
    font-family: 'Nunito', sans-serif;
    color: var(--gray-800);
    line-height: 1.7;
    overflow-x: hidden;
    background: var(--white);
    -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
    font-family: 'Poppins', sans-serif;
    font-weight: 700;
    line-height: 1.3;
    color: var(--navy);
}

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

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

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

/* ===== NAVBAR ===== */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(20px);
    border-bottom: 1px solid transparent;
    transition: var(--transition);
    padding: 12px 0;
}

.navbar.scrolled {
    background: rgba(255, 255, 255, 0.98);
    border-bottom: 1px solid var(--gray-200);
    box-shadow: var(--shadow-sm);
    padding: 8px 0;
}

.nav-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    flex-shrink: 0;
}

.logo-icon {
    width: 42px;
    height: 42px;
    color: var(--primary);
}

.logo-icon svg {
    width: 100%;
    height: 100%;
}

.logo-text {
    display: flex;
    flex-direction: column;
    line-height: 1.2;
}

.logo-name {
    font-family: 'Poppins', sans-serif;
    font-weight: 800;
    font-size: 1.2rem;
    color: var(--primary);
}

.logo-tagline {
    font-size: 0.65rem;
    font-weight: 600;
    color: var(--gray-600);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.nav-links {
    display: flex;
    list-style: none;
    gap: 4px;
}

.nav-links a {
    padding: 8px 14px;
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--gray-700);
    border-radius: var(--radius-sm);
    position: relative;
}

.nav-links a:hover,
.nav-links a.active {
    color: var(--primary);
    background: rgba(43, 108, 176, 0.06);
}

.nav-actions {
    display: flex;
    align-items: center;
    gap: 16px;
    flex-shrink: 0;
}

.nav-phone {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--primary);
}

.nav-phone i {
    font-size: 0.75rem;
}

.mobile-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 6px;
    z-index: 1001;
}

.mobile-toggle span {
    width: 24px;
    height: 2.5px;
    background: var(--navy);
    border-radius: 2px;
    transition: var(--transition);
}

.mobile-toggle.active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
}

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

.mobile-toggle.active span:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
}

/* ===== BUTTONS ===== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    font-family: 'Poppins', sans-serif;
    font-weight: 600;
    border-radius: var(--radius-full);
    border: 2px solid transparent;
    cursor: pointer;
    transition: var(--transition);
    white-space: nowrap;
}

.btn-sm {
    padding: 8px 20px;
    font-size: 0.85rem;
}

.btn-lg {
    padding: 14px 32px;
    font-size: 1rem;
}

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

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(43, 108, 176, 0.35);
}

.btn-outline {
    background: transparent;
    color: var(--primary);
    border-color: var(--primary);
}

.btn-outline:hover {
    background: var(--primary);
    color: var(--white);
    transform: translateY(-2px);
}

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

.btn-white:hover {
    background: var(--gray-100);
    transform: translateY(-2px);
    box-shadow: var(--shadow-lg);
}

.btn-outline-white {
    background: transparent;
    color: var(--white);
    border-color: var(--white);
}

.btn-outline-white:hover {
    background: var(--white);
    color: var(--primary);
    transform: translateY(-2px);
}

.btn-full {
    width: 100%;
}

/* ===== HERO ===== */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    background: var(--gradient-hero);
    padding-top: 80px;
    overflow: hidden;
}

.hero-bg {
    position: absolute;
    inset: 0;
    overflow: hidden;
    pointer-events: none;
}

.hero-shape {
    position: absolute;
    border-radius: 50%;
    opacity: 0.08;
}

.hero-shape-1 {
    width: 500px;
    height: 500px;
    background: var(--primary);
    top: -200px;
    right: -100px;
    animation: float 20s ease-in-out infinite;
}

.hero-shape-2 {
    width: 300px;
    height: 300px;
    background: var(--secondary);
    bottom: -100px;
    left: -50px;
    animation: float 15s ease-in-out infinite reverse;
}

.hero-shape-3 {
    width: 200px;
    height: 200px;
    background: var(--accent);
    top: 40%;
    left: 30%;
    animation: float 18s ease-in-out infinite 2s;
}

@keyframes float {
    0%, 100% { transform: translate(0, 0) rotate(0deg); }
    25% { transform: translate(30px, -30px) rotate(5deg); }
    50% { transform: translate(-20px, 20px) rotate(-5deg); }
    75% { transform: translate(15px, 15px) rotate(3deg); }
}

.hero-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    padding: 60px 0 120px;
    position: relative;
    z-index: 2;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(43, 108, 176, 0.1);
    color: var(--primary);
    padding: 8px 20px;
    border-radius: var(--radius-full);
    font-size: 0.85rem;
    font-weight: 700;
    margin-bottom: 24px;
}

.hero-badge i {
    color: var(--pink);
}

.hero h1 {
    font-size: 3.2rem;
    font-weight: 800;
    margin-bottom: 24px;
    line-height: 1.15;
}

.gradient-text {
    background: var(--gradient-primary);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-text > p {
    font-size: 1.1rem;
    color: var(--gray-600);
    margin-bottom: 36px;
    max-width: 540px;
}

.hero-cta {
    display: flex;
    gap: 16px;
    margin-bottom: 40px;
    flex-wrap: wrap;
}

.hero-trust {
    display: flex;
    gap: 24px;
    flex-wrap: wrap;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--gray-600);
}

.trust-item i {
    color: var(--secondary);
    font-size: 1rem;
}

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

.hero-card {
    position: relative;
    width: 100%;
    max-width: 480px;
}

.hero-card-inner {
    position: relative;
    padding: 40px;
}

.hero-illustration {
    position: relative;
    width: 100%;
    aspect-ratio: 1;
    display: flex;
    justify-content: center;
    align-items: center;
}

.illustration-circle {
    position: absolute;
    border-radius: 50%;
}

.circle-1 {
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, rgba(43, 108, 176, 0.08), rgba(72, 187, 120, 0.08));
    animation: pulse 4s ease-in-out infinite;
}

.circle-2 {
    width: 75%;
    height: 75%;
    background: linear-gradient(135deg, rgba(43, 108, 176, 0.12), rgba(246, 173, 85, 0.12));
    animation: pulse 4s ease-in-out infinite 1s;
}

.circle-3 {
    width: 50%;
    height: 50%;
    background: var(--gradient-primary);
    animation: pulse 4s ease-in-out infinite 2s;
}

@keyframes pulse {
    0%, 100% { transform: scale(1); opacity: 1; }
    50% { transform: scale(1.05); opacity: 0.9; }
}

.illustration-icon {
    position: relative;
    z-index: 2;
    font-size: 4rem;
    color: var(--white);
}

.floating-badge {
    position: absolute;
    display: flex;
    align-items: center;
    gap: 8px;
    background: var(--white);
    padding: 10px 18px;
    border-radius: var(--radius-full);
    box-shadow: var(--shadow-lg);
    font-size: 0.8rem;
    font-weight: 700;
    color: var(--navy);
    white-space: nowrap;
    animation: floatBadge 6s ease-in-out infinite;
}

.badge-1 {
    top: 10%;
    right: -5%;
    animation-delay: 0s;
}

.badge-1 i { color: var(--accent); }

.badge-2 {
    bottom: 25%;
    left: -10%;
    animation-delay: 2s;
}

.badge-2 i { color: var(--pink); }

.badge-3 {
    bottom: 5%;
    right: 5%;
    animation-delay: 4s;
}

.badge-3 i { color: var(--secondary); }

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

.hero-wave {
    position: absolute;
    bottom: -1px;
    left: 0;
    right: 0;
    z-index: 3;
}

.hero-wave svg {
    display: block;
    width: 100%;
    height: auto;
}

/* ===== STATS ===== */
.stats {
    padding: 80px 0;
    background: var(--white);
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
}

.stat-card {
    text-align: center;
    padding: 30px 20px;
    border-radius: var(--radius-lg);
    background: var(--gray-100);
    transition: var(--transition);
    position: relative;
}

.stat-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}

.stat-icon {
    width: 60px;
    height: 60px;
    border-radius: var(--radius-md);
    background: var(--gradient-primary);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.4rem;
    margin: 0 auto 16px;
}

.stat-card:nth-child(2) .stat-icon { background: var(--gradient-cool); }
.stat-card:nth-child(3) .stat-icon { background: var(--gradient-warm); }
.stat-card:nth-child(4) .stat-icon { background: linear-gradient(135deg, #805AD5, #4A9BE8); }

.stat-number {
    font-family: 'Poppins', sans-serif;
    font-size: 2.5rem;
    font-weight: 800;
    color: var(--navy);
    display: inline;
}

.stat-suffix {
    font-family: 'Poppins', sans-serif;
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary);
    display: inline;
}

.stat-label {
    font-size: 0.95rem;
    color: var(--gray-600);
    font-weight: 600;
    margin-top: 4px;
}

/* ===== SECTION COMMONS ===== */
.section-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 60px;
}

.section-tag {
    display: inline-block;
    background: rgba(43, 108, 176, 0.1);
    color: var(--primary);
    padding: 6px 18px;
    border-radius: var(--radius-full);
    font-size: 0.85rem;
    font-weight: 700;
    margin-bottom: 16px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.section-header h2 {
    font-size: 2.4rem;
    margin-bottom: 16px;
}

.section-header p {
    font-size: 1.1rem;
    color: var(--gray-600);
}

/* ===== ABOUT ===== */
.about {
    padding: 100px 0;
    background: var(--white);
}

.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

.about-card-stack {
    position: relative;
    height: 480px;
}

.about-card-item {
    position: absolute;
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 30px;
    box-shadow: var(--shadow-lg);
    width: 280px;
    transition: var(--transition);
}

.about-card-item:hover {
    transform: translateY(-8px) !important;
}

.about-card-item i {
    font-size: 2rem;
    margin-bottom: 12px;
}

.about-card-item h4 {
    font-size: 1.1rem;
    margin-bottom: 8px;
}

.about-card-item p {
    font-size: 0.9rem;
    color: var(--gray-600);
}

.card-1 {
    top: 0;
    left: 0;
    border-left: 4px solid var(--primary);
}

.card-1 i { color: var(--primary); }

.card-2 {
    top: 50%;
    left: 30%;
    transform: translateY(-50%);
    border-left: 4px solid var(--secondary);
}

.card-2 i { color: var(--secondary); }

.card-3 {
    bottom: 0;
    right: 0;
    border-left: 4px solid var(--accent);
}

.card-3 i { color: var(--accent); }

.about-content .section-tag {
    display: inline-block;
}

.about-content h2 {
    font-size: 2.2rem;
    margin-bottom: 20px;
}

.about-lead {
    font-size: 1.1rem;
    color: var(--gray-700);
    font-weight: 600;
    margin-bottom: 16px;
}

.about-content p {
    margin-bottom: 16px;
    color: var(--gray-600);
}

.about-features {
    margin: 30px 0;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.about-feature {
    display: flex;
    align-items: center;
    gap: 12px;
    font-weight: 600;
    color: var(--gray-700);
}

.about-feature i {
    color: var(--secondary);
    font-size: 1.1rem;
    flex-shrink: 0;
}

/* ===== SERVICES ===== */
.services {
    padding: 100px 0;
    background: var(--gray-100);
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.service-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 40px 30px;
    transition: var(--transition);
    position: relative;
    overflow: hidden;
    border: 1px solid var(--gray-200);
}

.service-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--gradient-primary);
    opacity: 0;
    transition: var(--transition);
}

.service-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
    border-color: transparent;
}

.service-card:hover::before {
    opacity: 1;
}

.service-card.featured {
    border-color: var(--primary);
    box-shadow: var(--shadow-lg);
}

.service-card.featured::before {
    opacity: 1;
}

.service-badge {
    position: absolute;
    top: 16px;
    right: 16px;
    background: var(--gradient-primary);
    color: var(--white);
    padding: 4px 14px;
    border-radius: var(--radius-full);
    font-size: 0.75rem;
    font-weight: 700;
}

.service-icon {
    width: 64px;
    height: 64px;
    border-radius: var(--radius-md);
    background: rgba(43, 108, 176, 0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.6rem;
    color: var(--primary);
    margin-bottom: 24px;
}

.service-card:nth-child(2) .service-icon { background: rgba(72, 187, 120, 0.1); color: var(--secondary-dark); }
.service-card:nth-child(3) .service-icon { background: rgba(128, 90, 213, 0.1); color: var(--purple); }
.service-card:nth-child(4) .service-icon { background: rgba(246, 173, 85, 0.1); color: var(--accent-dark); }
.service-card:nth-child(5) .service-icon { background: rgba(237, 100, 166, 0.1); color: var(--pink); }
.service-card:nth-child(6) .service-icon { background: rgba(43, 108, 176, 0.1); color: var(--primary); }

.service-card h3 {
    font-size: 1.25rem;
    margin-bottom: 12px;
}

.service-card > p {
    color: var(--gray-600);
    font-size: 0.95rem;
    margin-bottom: 20px;
}

.service-features {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.service-features li {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.9rem;
    color: var(--gray-700);
    font-weight: 600;
}

.service-features li i {
    color: var(--secondary);
    font-size: 0.8rem;
}

/* ===== INSURANCE ===== */
.insurance {
    padding: 100px 0;
    background: var(--white);
}

.insurance-wrapper {
    background: var(--gradient-primary);
    border-radius: var(--radius-xl);
    padding: 60px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
    overflow: hidden;
    position: relative;
}

.insurance-wrapper::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 400px;
    height: 400px;
    background: rgba(255, 255, 255, 0.05);
    border-radius: 50%;
}

.insurance-content {
    position: relative;
    z-index: 1;
}

.insurance-content .section-tag {
    background: rgba(255, 255, 255, 0.2);
    color: var(--white);
}

.insurance-content h2 {
    color: var(--white);
    font-size: 2rem;
    margin-bottom: 16px;
}

.insurance-content p {
    color: rgba(255, 255, 255, 0.85);
    font-size: 1.05rem;
    margin-bottom: 30px;
}

.insurance-logos {
    position: relative;
    z-index: 1;
}

.insurance-logo-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
}

.insurance-logo-item {
    background: rgba(255, 255, 255, 0.15);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: var(--radius-sm);
    padding: 14px 20px;
    text-align: center;
    color: var(--white);
    font-weight: 700;
    font-size: 0.9rem;
    transition: var(--transition);
}

.insurance-logo-item:hover {
    background: rgba(255, 255, 255, 0.25);
    transform: translateY(-2px);
}

/* ===== PROCESS ===== */
.process {
    padding: 100px 0;
    background: var(--gray-100);
}

.process-timeline {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 30px;
    max-width: 900px;
    margin: 0 auto;
}

.process-step {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 35px;
    display: flex;
    gap: 20px;
    align-items: flex-start;
    transition: var(--transition);
    border: 1px solid var(--gray-200);
    position: relative;
}

.process-step:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
    border-color: var(--primary);
}

.step-number {
    font-family: 'Poppins', sans-serif;
    font-size: 2.5rem;
    font-weight: 800;
    color: var(--gray-200);
    line-height: 1;
    flex-shrink: 0;
}

.process-step:hover .step-number {
    color: var(--primary);
}

.step-content h3 {
    font-size: 1.15rem;
    margin-bottom: 8px;
}

.step-content p {
    font-size: 0.9rem;
    color: var(--gray-600);
}

.step-icon {
    position: absolute;
    top: 16px;
    right: 16px;
    width: 40px;
    height: 40px;
    border-radius: var(--radius-sm);
    background: rgba(43, 108, 176, 0.08);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--primary);
    font-size: 1rem;
}

/* ===== TEAM ===== */
.team {
    padding: 100px 0;
    background: var(--white);
}

.team-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
    margin-bottom: 60px;
}

.team-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    border: 1px solid var(--gray-200);
    transition: var(--transition);
}

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

.team-photo {
    position: relative;
    overflow: hidden;
}

.team-photo-placeholder {
    height: 200px;
    background: var(--gradient-primary);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 3rem;
    color: rgba(255, 255, 255, 0.5);
}

.team-card:nth-child(2) .team-photo-placeholder { background: var(--gradient-cool); }
.team-card:nth-child(3) .team-photo-placeholder { background: var(--gradient-warm); }
.team-card:nth-child(4) .team-photo-placeholder { background: linear-gradient(135deg, #805AD5, #ED64A6); }

.team-social {
    position: absolute;
    bottom: 12px;
    right: 12px;
    display: flex;
    gap: 8px;
    opacity: 0;
    transform: translateY(10px);
    transition: var(--transition);
}

.team-card:hover .team-social {
    opacity: 1;
    transform: translateY(0);
}

.team-social a {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--primary);
    box-shadow: var(--shadow-md);
}

.team-social a:hover {
    background: var(--primary);
    color: var(--white);
}

.team-info {
    padding: 24px;
}

.team-info h3 {
    font-size: 1.1rem;
    margin-bottom: 4px;
}

.team-role {
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--primary);
    display: block;
    margin-bottom: 10px;
}

.team-info p {
    font-size: 0.9rem;
    color: var(--gray-600);
}

.team-cta {
    text-align: center;
    background: var(--gray-100);
    border-radius: var(--radius-xl);
    padding: 50px;
}

.team-cta h3 {
    font-size: 1.5rem;
    margin-bottom: 12px;
}

.team-cta p {
    color: var(--gray-600);
    margin-bottom: 24px;
    font-size: 1.05rem;
}

/* ===== TESTIMONIALS ===== */
.testimonials {
    padding: 100px 0;
    background: var(--gray-100);
}

.testimonials-slider {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.testimonial-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 36px;
    border: 1px solid var(--gray-200);
    transition: var(--transition);
}

.testimonial-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.testimonial-stars {
    display: flex;
    gap: 4px;
    margin-bottom: 16px;
    color: var(--accent);
    font-size: 1rem;
}

.testimonial-card p {
    font-size: 1rem;
    color: var(--gray-700);
    font-style: italic;
    margin-bottom: 24px;
    line-height: 1.8;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 12px;
}

.author-avatar {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: var(--gradient-primary);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Poppins', sans-serif;
    font-weight: 700;
    font-size: 1.1rem;
}

.testimonial-card:nth-child(2) .author-avatar { background: var(--gradient-cool); }
.testimonial-card:nth-child(3) .author-avatar { background: var(--gradient-warm); }

.author-info strong {
    display: block;
    font-size: 0.95rem;
    color: var(--navy);
}

.author-info span {
    font-size: 0.85rem;
    color: var(--gray-500);
}

/* ===== AREAS ===== */
.areas {
    padding: 100px 0;
    background: var(--white);
}

.areas-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
}

.area-item {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 16px 20px;
    background: var(--gray-100);
    border-radius: var(--radius-sm);
    font-weight: 600;
    color: var(--gray-700);
    transition: var(--transition);
}

.area-item:hover {
    background: rgba(43, 108, 176, 0.08);
    color: var(--primary);
    transform: translateX(4px);
}

.area-item i {
    color: var(--primary);
    font-size: 0.85rem;
}

.area-item.highlight {
    background: var(--gradient-primary);
    color: var(--white);
}

.area-item.highlight i {
    color: var(--white);
}

/* ===== FAQ ===== */
.faq {
    padding: 100px 0;
    background: var(--gray-100);
}

.faq-grid {
    max-width: 800px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.faq-item {
    background: var(--white);
    border-radius: var(--radius-md);
    overflow: hidden;
    border: 1px solid var(--gray-200);
    transition: var(--transition);
}

.faq-item.active {
    border-color: var(--primary);
    box-shadow: var(--shadow-md);
}

.faq-question {
    width: 100%;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 24px;
    background: none;
    border: none;
    cursor: pointer;
    font-family: 'Poppins', sans-serif;
    font-size: 1rem;
    font-weight: 600;
    color: var(--navy);
    text-align: left;
    gap: 16px;
    transition: var(--transition);
}

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

.faq-question i {
    font-size: 0.8rem;
    color: var(--gray-500);
    transition: var(--transition);
    flex-shrink: 0;
}

.faq-item.active .faq-question i {
    transform: rotate(180deg);
    color: var(--primary);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease;
}

.faq-answer p {
    padding: 0 24px 20px;
    color: var(--gray-600);
    line-height: 1.8;
}

/* ===== CTA SECTION ===== */
.cta-section {
    padding: 100px 0;
    background: var(--gradient-primary);
    text-align: center;
    position: relative;
    overflow: hidden;
}

.cta-section::before {
    content: '';
    position: absolute;
    top: -50%;
    left: -20%;
    width: 600px;
    height: 600px;
    background: rgba(255, 255, 255, 0.03);
    border-radius: 50%;
}

.cta-section::after {
    content: '';
    position: absolute;
    bottom: -50%;
    right: -10%;
    width: 400px;
    height: 400px;
    background: rgba(255, 255, 255, 0.05);
    border-radius: 50%;
}

.cta-content {
    position: relative;
    z-index: 1;
}

.cta-content h2 {
    color: var(--white);
    font-size: 2.4rem;
    margin-bottom: 16px;
    max-width: 700px;
    margin-left: auto;
    margin-right: auto;
}

.cta-content p {
    color: rgba(255, 255, 255, 0.85);
    font-size: 1.1rem;
    margin-bottom: 36px;
    max-width: 600px;
    margin-left: auto;
    margin-right: auto;
}

.cta-actions {
    display: flex;
    gap: 16px;
    justify-content: center;
    flex-wrap: wrap;
}

/* ===== CONTACT ===== */
.contact {
    padding: 100px 0;
    background: var(--white);
}

.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 60px;
}

.contact-info {
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.contact-card {
    padding: 24px;
    background: var(--gray-100);
    border-radius: var(--radius-md);
    transition: var(--transition);
}

.contact-card:hover {
    box-shadow: var(--shadow-md);
}

.contact-icon {
    width: 48px;
    height: 48px;
    border-radius: var(--radius-sm);
    background: var(--gradient-primary);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    margin-bottom: 12px;
}

.contact-card h3 {
    font-size: 1rem;
    margin-bottom: 6px;
}

.contact-card p {
    color: var(--gray-600);
    font-size: 0.95rem;
}

.contact-card a {
    color: var(--primary);
    font-weight: 600;
}

.contact-card a:hover {
    text-decoration: underline;
}

.contact-note {
    font-size: 0.85rem !important;
    color: var(--gray-500) !important;
    margin-top: 4px;
}

.contact-social h3 {
    font-size: 1rem;
    margin-bottom: 12px;
}

.social-links {
    display: flex;
    gap: 10px;
}

.social-link {
    width: 42px;
    height: 42px;
    border-radius: 50%;
    background: var(--gray-100);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gray-600);
    transition: var(--transition);
    font-size: 1rem;
}

.social-link:hover {
    background: var(--primary);
    color: var(--white);
    transform: translateY(-3px);
}

/* ===== CONTACT FORM ===== */
.contact-form-wrapper {
    background: var(--white);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-xl);
    overflow: hidden;
}

.contact-form {
    padding: 40px;
}

.contact-form h3 {
    font-size: 1.5rem;
    margin-bottom: 30px;
    color: var(--navy);
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

.form-group {
    margin-bottom: 20px;
}

.form-group label {
    display: block;
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--gray-700);
    margin-bottom: 6px;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 12px 16px;
    border: 2px solid var(--gray-300);
    border-radius: var(--radius-sm);
    font-family: 'Nunito', sans-serif;
    font-size: 0.95rem;
    color: var(--navy);
    transition: var(--transition);
    background: var(--white);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 4px rgba(43, 108, 176, 0.1);
}

.form-group input::placeholder,
.form-group textarea::placeholder {
    color: var(--gray-400);
}

.form-group textarea {
    resize: vertical;
    min-height: 100px;
}

.form-disclaimer {
    font-size: 0.8rem;
    color: var(--gray-500);
    text-align: center;
    margin-top: 16px;
}

/* ===== CAREERS ===== */
.careers {
    padding: 100px 0;
    background: var(--gray-100);
}

.careers-wrapper {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 60px;
    align-items: start;
}

.careers-content .section-tag {
    display: inline-block;
}

.careers-content h2 {
    font-size: 2.2rem;
    margin-bottom: 16px;
}

.careers-content > p {
    color: var(--gray-600);
    font-size: 1.05rem;
    margin-bottom: 30px;
}

.careers-positions {
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-bottom: 30px;
}

.position-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 24px;
    background: var(--white);
    border-radius: var(--radius-md);
    border: 1px solid var(--gray-200);
    transition: var(--transition);
}

.position-item:hover {
    border-color: var(--primary);
    box-shadow: var(--shadow-sm);
}

.position-info h4 {
    font-size: 1rem;
    margin-bottom: 4px;
}

.position-type {
    font-size: 0.8rem;
    color: var(--gray-500);
    font-weight: 600;
}

.position-salary {
    font-family: 'Poppins', sans-serif;
    font-weight: 700;
    color: var(--secondary-dark);
    font-size: 0.95rem;
    white-space: nowrap;
}

.careers-perks {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 40px;
    border: 1px solid var(--gray-200);
}

.careers-perks h3 {
    font-size: 1.3rem;
    margin-bottom: 24px;
    text-align: center;
}

.perks-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.perk-item {
    display: flex;
    align-items: center;
    gap: 12px;
    font-weight: 600;
    font-size: 0.95rem;
    color: var(--gray-700);
}

.perk-item i {
    width: 40px;
    height: 40px;
    border-radius: var(--radius-sm);
    background: rgba(43, 108, 176, 0.08);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--primary);
    flex-shrink: 0;
}

/* ===== FOOTER ===== */
.footer {
    background: var(--navy);
    color: var(--gray-400);
    padding-top: 80px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
    gap: 50px;
    padding-bottom: 50px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 16px;
}

.footer-logo .logo-icon {
    color: var(--primary-light);
}

.footer-logo .logo-name {
    color: var(--white);
}

.footer-logo .logo-tagline {
    color: var(--gray-500);
}

.footer-about p {
    font-size: 0.95rem;
    line-height: 1.8;
    margin-bottom: 20px;
}

.footer .social-links {
    gap: 10px;
}

.footer .social-link {
    background: rgba(255, 255, 255, 0.08);
    color: var(--gray-400);
}

.footer .social-link:hover {
    background: var(--primary);
    color: var(--white);
}

.footer-links h4,
.footer-contact h4 {
    color: var(--white);
    font-size: 1.05rem;
    margin-bottom: 20px;
}

.footer-links ul,
.footer-contact ul {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.footer-links a {
    font-size: 0.9rem;
    color: var(--gray-400);
    transition: var(--transition);
}

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

.footer-contact li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 0.9rem;
}

.footer-contact li i {
    color: var(--primary-light);
    margin-top: 4px;
    flex-shrink: 0;
}

.footer-contact a {
    color: var(--gray-400);
}

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

.footer-bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 24px 0;
    font-size: 0.85rem;
}

.footer-bottom-links {
    display: flex;
    gap: 24px;
}

.footer-bottom-links a {
    color: var(--gray-500);
    font-size: 0.85rem;
}

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

/* ===== BACK TO TOP ===== */
.back-to-top {
    position: fixed;
    bottom: 30px;
    right: 30px;
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: var(--gradient-primary);
    color: var(--white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    cursor: pointer;
    opacity: 0;
    visibility: hidden;
    transform: translateY(20px);
    transition: var(--transition);
    box-shadow: var(--shadow-lg);
    z-index: 999;
}

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

.back-to-top:hover {
    transform: translateY(-4px);
    box-shadow: 0 8px 25px rgba(43, 108, 176, 0.4);
}

/* ===== ANIMATIONS ===== */
.fade-in {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}

.fade-in.visible {
    opacity: 1;
    transform: translateY(0);
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
    .hero-content {
        grid-template-columns: 1fr;
        text-align: center;
        padding: 40px 0 100px;
    }

    .hero h1 {
        font-size: 2.6rem;
    }

    .hero-text > p {
        margin-left: auto;
        margin-right: auto;
    }

    .hero-cta {
        justify-content: center;
    }

    .hero-trust {
        justify-content: center;
    }

    .hero-visual {
        display: none;
    }

    .about-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }

    .about-card-stack {
        display: grid;
        grid-template-columns: repeat(3, 1fr);
        gap: 16px;
        height: auto;
    }

    .about-card-item {
        position: static;
        width: auto;
        transform: none !important;
    }

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

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

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

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

    .process-timeline {
        grid-template-columns: 1fr;
    }

    .insurance-wrapper {
        grid-template-columns: 1fr;
        padding: 40px;
    }

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

    .careers-wrapper {
        grid-template-columns: 1fr;
    }

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

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

@media (max-width: 768px) {
    .nav-links {
        display: none;
        position: fixed;
        top: 0;
        left: 0;
        right: 0;
        bottom: 0;
        background: var(--white);
        flex-direction: column;
        align-items: center;
        justify-content: center;
        gap: 8px;
        z-index: 999;
    }

    .nav-links.active {
        display: flex;
    }

    .nav-links a {
        font-size: 1.2rem;
        padding: 12px 24px;
    }

    .nav-actions {
        display: none;
    }

    .mobile-toggle {
        display: flex;
    }

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

    .hero-cta {
        flex-direction: column;
        align-items: center;
    }

    .section-header h2 {
        font-size: 1.8rem;
    }

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

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

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

    .stats-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 16px;
    }

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

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

    .contact-form {
        padding: 30px 20px;
    }

    .insurance-wrapper {
        padding: 30px 20px;
    }

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

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 30px;
    }

    .footer-bottom {
        flex-direction: column;
        gap: 12px;
        text-align: center;
    }

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

    .cta-content h2 {
        font-size: 1.8rem;
    }

    .cta-actions {
        flex-direction: column;
        align-items: center;
    }

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

@media (max-width: 480px) {
    .hero h1 {
        font-size: 1.7rem;
    }

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

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

    .section-header h2 {
        font-size: 1.5rem;
    }
}