/* ======================================== */
/* TOPBAR */
/* ======================================== */

.topbar{
    width:100%;
    background:#08122f;
    border-bottom:1px solid rgba(255,255,255,.08);
    position:fixed;
    top:0;
    left:0;
    z-index:1000;
}

.topbar-container{
    display:flex;
    align-items:center;
    justify-content:space-between;
    padding:12px 0;
    gap:40px;
}

.topbar-logo img{
    width:95px;
    background:white;
    padding:10px;
    border-radius:18px;
}

.topbar-messages{
    flex:1;
    display:flex;
    align-items:center;
    justify-content:center;
    overflow:hidden;
    min-height:40px;
}


/* ======================================== */
/* HERO */
/* ======================================== */

.hero{
    min-height:100vh;

    background:
    linear-gradient(
        135deg,
        #081126 0%,
        #10275e 55%,
        #183b73 100%
    );

    display:flex;
    align-items:center;
    position:relative;
    overflow:hidden;
    padding:120px 0 100px;
}

.hero-overlay{

    position:absolute;
    inset:0;

    background:
    radial-gradient(
        circle at top right,
        rgba(88,210,107,.15),
        transparent 40%
    );

    pointer-events:none;

}

.hero-content{
    display:grid;
    grid-template-columns:1fr 600px;
    gap:80px;
}

.hero-badge{
    display:inline-block;
    background:rgba(255,255,255,.12);
    color:white;
    padding:12px 24px;
    border-radius:40px;
    font-size:14px;
    font-weight:700;
    margin-bottom:30px;
    letter-spacing:1px;
}

.hero-title{
    font-size:3.8rem;
    line-height:1.08;
    font-weight:800;
    color:white;
    margin-bottom:28px;
    letter-spacing:-2px;
    max-width:650px;
}
.hero-title span{
    color:#58d26b;
}

.hero-description{
    color:rgba(255,255,255,.88);
    font-size:1.12rem;
    line-height:2;
    margin-bottom:45px;
    max-width:760px;
}

.hero-buttons{
    display:flex;
    gap:20px;
    flex-wrap:wrap;
}

/* ======================================== */
/* HERO SLIDER */
/* ======================================== */

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

.slides{
    position:relative;
    width:100%;
    max-width:700px;
    height:400px;
    border-radius:28px;
    overflow:hidden;
    min-width:0;
    min-height:400px;

    box-shadow:
    0 25px 70px rgba(0,0,0,.35);
}

.slide{
    position:absolute;
    inset:0;
    width:100%;
    height:100%;
    object-fit:cover;
    object-position:center;
    opacity:0;
    transition:opacity .8s ease;
}

.slide.active{
    opacity:1;
}

.hero-slider{
    display:flex;
    justify-content:center;
}

/* ======================================== */
/* BRANDS */
/* ======================================== */

.brands{
    background:white;
    padding:120px 0;
}

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

.brands-grid img{
    width:100%;
    height:110px;
    object-fit:contain;     
    transition:.3s;
}

.brands-grid img:hover{
    filter:none;
    opacity:1;
    transform:translateY(-8px);
}

/* ======================================== */
/* ABOUT */
/* ======================================== */

.about{
    background:#f4f7fb;
    padding:120px 0;
}

.about-grid{
    display:grid;
    grid-template-columns:.9fr 1.1fr;
    gap:90px;
    align-items:center;
}

.about-image img{
    width:100%;
    border-radius:32px;
    box-shadow:0 20px 60px rgba(0,0,0,.15);
}

.about-content span{
    color:#58d26b;
    font-weight:700;
    letter-spacing:2px;
}

.about-content h2{
    font-size:58px;
    line-height:1.08;
    margin:20px 0 30px;
    color:#081126;
}

.about-content p{
    font-size:20px;
    line-height:1.9;
    color:#5d6a82;
}

.about-stats{
    display:flex;
    gap:30px;
    margin-top:45px;
}

.stat{
    background:white;
    padding:30px;
    border-radius:24px;
    flex:1;
    box-shadow:0 10px 30px rgba(0,0,0,.06);
}

.stat h3{
    font-size:42px;
    color:#58d26b;
    margin-bottom:10px;
}

/* ======================================== */
/* VALUES */
/* ======================================== */

.values{
    background:white;
    padding:120px 0;
}

.values-grid{
    display:grid;
    grid-template-columns:repeat(3,1fr);
    gap:40px;
}

.value-card{
    background:#f4f7fb;
    padding:50px;
    border-radius:28px;
    transition:.3s;
}

.value-card:hover{
    transform:translateY(-12px);
}

.value-card i{
    font-size:42px;
    color:#58d26b;
    margin-bottom:25px;
}

.value-card h3{
    font-size:32px;
    margin-bottom:20px;
}

.value-card p{
    line-height:1.8;
    color:#5d6a82;
}

/* ======================================== */
/* SERVICES */
/* ======================================== */

.home-services{
    background:#081126;
    padding:120px 0;
}

.home-services .section-title h2{
    color:white;
    font-size:62px;
    max-width:1400px;
    margin:auto;
    line-height:1.1;
    white-space:nowrap;
}

.services-wrapper{
    display:flex;
    justify-content:center;
    gap:40px;
    margin-top:70px;
    flex-wrap:wrap;
}

.services-column{
    width:100%;
    max-width:720px;
    padding:50px;
    border-radius:38px;
    position:relative;
    overflow:hidden;
    transition:.35s ease;
}

.services-column:hover{
    transform:translateY(-8px);
}

.services-column.individual{
    background:linear-gradient(
        135deg,
        #3d9b4f,
        #58d26b
    );
    box-shadow:0 20px 50px rgba(88,210,107,.25);
}

.services-column.corporate{
    background:linear-gradient(
        135deg,
        #081c46,
        #10275e
    );
    box-shadow:0 20px 50px rgba(8,28,70,.25);
}

.services-column h3{
    font-size:52px;
    margin-bottom:35px;
    line-height:1.05;
}

.services-column.individual h3{
    color:white;
}

.services-column.corporate h3{
    color:white;
}

.services-list{
    display:flex;
    flex-direction:column;
    gap:18px;
}

.services-list a{
    text-decoration:none;
    color:white;
    display:block;
    width:100%;
    height:100%;
}

.services-list a:visited{
    color:white;
}

.services-list a:hover{
    color:white;
}

.services-list a:active{
    color:white;
}

.services-list li{
    list-style:none;
    padding:22px 24px;
    border-radius:18px;
    font-size:19px;
    font-weight:600;
    transition:.3s ease;
    cursor:pointer;
}

.services-column.individual .services-list li{
    background:rgba(255,255,255,.12);
    color:white;
    backdrop-filter:blur(6px);
}

.services-column.individual .services-list li:hover{
    background:white;
    color:#1f5f35;
    transform:translateX(8px);
}

.services-column.corporate .services-list li{
    background:rgba(255,255,255,.08);
    color:white;
}

.services-column.corporate .services-list li:hover{
    background:#58d26b;
    transform:translateX(8px);
}

.services-column.corporate .services-list li:hover a{
    color:white;
}

/* ======================================== */
/* CTA */
/* ======================================== */

.cta{
    background:#58d26b;
    padding:100px 0;
}

.cta-box{
    display:flex;
    align-items:center;
    justify-content:space-between;
    gap:40px;
}

.cta span{
    color:white;
    letter-spacing:2px;
    font-weight:700;
}

.cta h2{
    font-size:58px;
    color:white;
    margin-top:15px;
    line-height:1.1;
}

.cta .btn-primary{
    background:#081126;
}

/* ======================================== */
/* RESPONSIVE */
/* ======================================== */

@media(max-width:1200px){
    .hero-content,
    .about-grid{
        grid-template-columns:1fr;
    }
    .hero-title{
        font-size:4rem;
    }
    .slides{
        height:520px;
    }
}

@media(max-width:992px){
    .values-grid{
        grid-template-columns:1fr;
    }
    .brands-grid{
        grid-template-columns:repeat(3,1fr);
    }
}

@media(max-width:768px){
    .hero{
        padding:180px 0 100px;
    }
    .hero-title{
        font-size:3rem;
        line-height:1.08;
    }
    .hero-description{
        font-size:1rem;
        line-height:1.8;
    }
    .slides{
        height:340px;
    }
    .services-grid{
        grid-template-columns:1fr;
    }
    .about-content h2,
    .cta h2,
    .section-title h2{
        font-size:38px;
    }
    .about-stats{
        flex-direction:column;
    }
    .cta-box{
        flex-direction:column;
        text-align:center;
    }
}

@media(max-width:480px){
    .hero-title{
        font-size:2.4rem;
    }
    .brands-grid{
        grid-template-columns:repeat(2,1fr);
    }
}

.corporate-section{
    background:#071633;
}

.forms-section{
    background:#081126;
    padding:70px 0 90px;
}

.forms-grid{
    display:grid;
    grid-template-columns:repeat(3,1fr);
    gap:35px;
    margin-top:25px;
}

.form-company{
    background:white;
    border-radius:32px;
    padding:40px;
    transition:.35s ease;
}

.form-company:hover{
    transform:translateY(-10px);
}

.form-company img{
    width:170px;
    height:90px;
    object-fit:contain;
    margin-bottom:25px;
}

.form-company h3{
    font-size:28px;
    margin-bottom:25px;
    color:#081126;
}

.form-company ul{
    display:flex;
    flex-direction:column;
    gap:14px;
}

.form-company li{
    list-style:none;
}

.form-company a{
    display:block;
    background:#f4f7fb;
    padding:16px 18px;
    border-radius:14px;
    text-decoration:none;
    color:#10275e;
    font-weight:600;
    transition:.3s ease;
}

.form-company a:hover{
    background:#58d26b;
    color:white;
}

.forms-section .section-title{
    margin-bottom:10px;
}

.forms-section .section-title span{
    font-size:18px;
    letter-spacing:4px;
}

.forms-section .section-title h2{
    margin-top:10px;
}

.faq-category{
    margin-top:70px;
}

.faq-category h3{
    font-size:38px;
    color:#081126;
    margin-bottom:30px;
    font-weight:800;
}

.faq-item{
    margin-bottom:20px;
    border-radius:22px;
    overflow:hidden;
    background:#f4f7fb;
    border:1px solid #e3e8f1;
}

.faq-question{
    width:100%;
    border:none;
    background:none;
    padding:28px;
    font-size:21px;
    font-weight:700;
    text-align:left;
    cursor:pointer;
    color:#081126;
}

.faq-answer{
    padding:0 28px 28px;
    color:#5e6980;
    line-height:1.8;
    font-size:17px;
}

.page-hero{
    padding:140px 0 45px;
    background:#eef3fb;
}

.page-hero h1{
    font-size:78px;
    line-height:1;
    color:#081126;
    margin-bottom:20px;
}

.page-hero p{
    font-size:24px;
    color:#55637e;
    max-width:700px;
    line-height:1.4;
}

/* ======================================== */
/* INSURANCE CONCEPT */
/* ======================================== */

.insurance-concept{
    padding:40px 0 90px;
    background:#fff;
}

.concept-grid{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:80px;
    align-items:center;
    margin-top:-40px;
}

.concept-image img{
    width:100%;
    border-radius:32px;
    box-shadow:0 20px 50px rgba(0,0,0,.12);
}

.concept-content span{
    color:#58d26b;
    font-weight:700;
    letter-spacing:2px;
    font-size:14px;
}

.concept-content h2{
    font-size:58px;
    line-height:1.1;
    margin:20px 0 30px;
    color:#081126;
}

.concept-content p{
    color:#5d6a82;
    line-height:1.9;
    font-size:18px;
    margin-bottom:20px;
}

/* ======================================== */
/* PAGE HERO FIX */
/* ======================================== */

/* ======================================== */
/* PAGE HERO */
/* ======================================== */

.page-hero{
    padding:140px 0 45px;
    background:
    linear-gradient(
        135deg,
        #f8fbff,
        #edf4ff
    );
}

.page-hero .container{
    max-width:1300px;
}

.page-hero h1{
    font-size:82px;
    line-height:1;
    color:#081126;
    margin-bottom:20px;
}

.page-hero p{
    max-width:900px;
    font-size:22px;
    line-height:1.7;
    color:#5d6a82;
}

/* ======================================== */
/* INSURANCE CONCEPT */
/* ======================================== */

.insurance-concept{
    padding:0 0 70px;
    background:white;
}

.concept-grid{
    display:grid;
    grid-template-columns:1fr 1fr;
    gap:60px;
    align-items:center;
    margin-top:-20px;
}

.concept-image img{
    width:100%;
    border-radius:32px;
    box-shadow:0 20px 50px rgba(0,0,0,.12);
    margin-top:-40px;
}

.concept-content span{
    color:#58d26b;
    font-weight:700;
    letter-spacing:2px;
    font-size:14px;
}

.concept-content h2{
    font-size:54px;
    line-height:1.08;
    margin:14px 0 24px;
    color:#081126;
}

.concept-content p{
    color:#5d6a82;
    line-height:1.9;
    font-size:18px;
    margin-bottom:18px;
}

/* ======================================== */
/* SERVICES FIX */
/* ======================================== */

.home-services{
    padding:80px 0;
}

.services-wrapper{
    margin-top:0;
}

.services-column{
    max-width:850px;
}

/* ======================================== */
/* RESPONSIVE */
/* ======================================== */

@media(max-width:992px){

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

    .page-hero h1{
        font-size:64px;
    }

    .concept-content h2{
        font-size:42px;
    }

}

@media(max-width:768px){

    .page-hero{
        padding:120px 0 40px;
    }

    .page-hero h1{
        font-size:48px;
    }

    .page-hero p{
        font-size:18px;
    }

    .concept-content h2{
        font-size:34px;
    }

    .concept-grid{
        gap:40px;
    }

}

/* ======================================== */
/* FAQ MINIMAL PREMIUM */
/* ======================================== */

.faq-section{
    padding:90px 0;
    background:white;
}

.faq-title{
    margin-bottom:70px;
}

.faq-category{
    margin-bottom:60px;
}

.faq-category h3{
    font-size:42px;
    color:#081126;
    margin-bottom:30px;
    font-weight:800;
    letter-spacing:-1px;
}

.faq-line{
    padding:28px 0;
    border-bottom:1px solid #e8edf5;
}

.faq-line h4{
    font-size:26px;
    line-height:1.5;
    color:#081126;
    margin-bottom:14px;
    font-weight:700;
}

.faq-line p{
    font-size:18px;
    line-height:2;
    color:#5d6a82;
    max-width:1100px;
}

/* ======================================== */
/* FLOATING BACK BUTTON */
/* ======================================== */

.back-floating{
    position:fixed;
    left:24px;
    top:105px;
    width:52px;
    height:52px;
    border-radius:50%;
    background:#081126;
    color:white;
    display:flex;
    align-items:center;
    justify-content:center;
    text-decoration:none;
    z-index:999999;
    box-shadow:0 10px 30px rgba(0,0,0,.18);
    transition:.3s ease;
}

.back-floating i{
    font-size:15px;
}

.back-floating:hover{
    background:#58d26b;
    transform:translateY(-3px);
}

@media(max-width:768px){

    .back-floating{
        left:20px;
        bottom:20px;
        padding:14px 20px;
        font-size:14px;
    }

}

/* ======================================== */
/* COVERAGE SECTION */
/* ======================================== */

.coverage-section{
    padding:30px 0 100px;
}

/* ======================================== */
/* COVERAGE CARD */
/* ======================================== */

.coverage-card{
    max-width:720px;
    margin:0 auto;
    background:#dff3e6;
    border-radius:30px;
    padding:50px;
    box-shadow:0 15px 40px rgba(0,0,0,.08);
    text-align:center;
    border:1px solid rgba(88,210,107,.15);
}

/* ======================================== */
/* TITLE */
/* ======================================== */

.coverage-card h3{
    font-size:40px;
    color:#081126;
    margin-bottom:35px;
    font-weight:700;
}

/* ======================================== */
/* LIST */
/* ======================================== */

.coverage-card ul{
    list-style:none;
    padding:0;
    margin:0;
    display:flex;
    flex-direction:column;
    gap:18px;
}

/* ======================================== */
/* ITEMS */
/* ======================================== */

.coverage-card li{
    background:#58d26b;
    color:white;
    padding:18px 24px;
    border-radius:18px;
    font-size:18px;
    font-weight:600;
    transition:.3s ease;
    box-shadow:0 8px 20px rgba(88,210,107,.20);
}

.coverage-card li:hover{
    transform:translateY(-3px);
    background:#47bf5a;
}

/* ======================================== */
/* RESPONSIVE */
/* ======================================== */

@media(max-width:768px){

    .coverage-card{
        padding:35px 25px;
    }

    .coverage-card h3{
        font-size:32px;
    }

    .coverage-card li{
        font-size:16px;
        padding:16px;
    }

}

/* =========================
   HOME STATS
========================= */

.home-stats{
    padding: 60px 0;
    background: #f5f7fb;
}

.stats-grid{
    display: grid;
    grid-template-columns: repeat(3,1fr);
    gap: 25px;
}

.home-stat-card{
    background: white;
    border-radius: 24px;
    padding: 35px;
    text-align: center;
    box-shadow: 0 10px 30px rgba(0,0,0,.05);
    transition: .3s ease;
}

.home-stat-card:hover{
    transform: translateY(-8px);
}

.home-stat-card h3{
    font-size: 48px;
    font-weight: 800;
    color: #57c766;
    margin-bottom: 10px;
}

.home-stat-card p{
    color: #08153b;
    font-weight: 600;
    font-size: 18px;
}