/* ===================================================
   Insurance Planet Network - Main Stylesheet
   =================================================== */

:root {
  --primary: #1257a6;
  --primary-dark: #0d3f7a;
  --primary-light: #e8f1fb;
  --accent: #f5a623;
  --accent-dark: #d98e10;
  --dark: #16233a;
  --text: #3d4a5c;
  --muted: #6b7a90;
  --light: #f6f9fd;
  --white: #ffffff;
  --border: #e2e9f2;
  --success: #1e9e5a;
  --error: #d64545;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(18, 87, 166, 0.10);
  --shadow-sm: 0 4px 14px rgba(18, 87, 166, 0.08);
  --transition: all 0.3s ease;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Segoe UI', 'Helvetica Neue', Arial, sans-serif;
  color: var(--text);
  line-height: 1.7;
  background: var(--white);
}

img { max-width: 100%; display: block; }

a { text-decoration: none; color: var(--primary); transition: var(--transition); }
a:hover { color: var(--accent-dark); }

ul { list-style: none; }

.container {
  width: min(1180px, 92%);
  margin: 0 auto;
}

section { padding: 72px 0; }

/* ---------- Top Bar ---------- */
.topbar {
  background: var(--primary-dark);
  color: #cfe0f4;
  font-size: 0.85rem;
  padding: 8px 0;
}
.topbar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
}
.topbar a { color: #cfe0f4; }
.topbar a:hover { color: var(--accent); }
.topbar-info { display: flex; gap: 22px; flex-wrap: wrap; align-items: center; }
.topbar-info span { display: inline-flex; align-items: center; gap: 6px; }
.topbar-links { display: flex; gap: 16px; }

/* ---------- Header / Navigation ---------- */
.site-header {
  background: var(--white);
  box-shadow: 0 2px 12px rgba(22, 35, 58, 0.08);
  position: sticky;
  top: 0;
  z-index: 1000;
}
.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
  gap: 20px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--dark);
  line-height: 1.2;
}
.logo:hover { color: var(--dark); }
.logo svg { flex-shrink: 0; }
.logo small {
  display: block;
  font-size: 0.62rem;
  font-weight: 600;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--primary);
}

.main-nav ul {
  display: flex;
  align-items: center;
  gap: 4px;
}
.main-nav a {
  display: block;
  padding: 10px 14px;
  color: var(--dark);
  font-weight: 600;
  font-size: 0.95rem;
  border-radius: 8px;
}
.main-nav a:hover,
.main-nav a.active { color: var(--primary); background: var(--primary-light); }

/* Dropdown */
.has-dropdown { position: relative; }
.has-dropdown > a::after {
  content: "▾";
  margin-left: 6px;
  font-size: 0.75rem;
  color: var(--muted);
}
.dropdown {
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 240px;
  background: var(--white);
  border-radius: 12px;
  box-shadow: var(--shadow);
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(10px);
  transition: var(--transition);
  z-index: 1200;
}
.has-dropdown:hover .dropdown,
.has-dropdown:focus-within .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown li { display: block; }
.dropdown a {
  padding: 9px 12px;
  font-weight: 500;
  font-size: 0.9rem;
  border-radius: 8px;
}
.dropdown a::after { content: none; }

.nav-cta {
  background: var(--accent);
  color: var(--dark) !important;
  font-weight: 700;
  border-radius: 30px !important;
  padding: 10px 22px !important;
}
.nav-cta:hover { background: var(--accent-dark); color: var(--white) !important; }

/* Hamburger */
.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
  z-index: 1300;
}
.nav-toggle span {
  display: block;
  width: 26px;
  height: 3px;
  background: var(--dark);
  margin: 5px 0;
  border-radius: 2px;
  transition: var(--transition);
}
.nav-toggle.open span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 13px 30px;
  border-radius: 30px;
  font-weight: 700;
  font-size: 0.95rem;
  cursor: pointer;
  border: 2px solid transparent;
  transition: var(--transition);
}
.btn-primary { background: var(--primary); color: var(--white); }
.btn-primary:hover { background: var(--primary-dark); color: var(--white); transform: translateY(-2px); }
.btn-accent { background: var(--accent); color: var(--dark); }
.btn-accent:hover { background: var(--accent-dark); color: var(--white); transform: translateY(-2px); }
.btn-outline { border-color: var(--white); color: var(--white); background: transparent; }
.btn-outline:hover { background: var(--white); color: var(--primary); }
.btn-outline-dark { border-color: var(--primary); color: var(--primary); background: transparent; }
.btn-outline-dark:hover { background: var(--primary); color: var(--white); }
.btn-danger { background: var(--error); color: var(--white); }
.btn-danger:hover { background: #b23636; color: var(--white); transform: translateY(-2px); }

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(rgba(13, 63, 122, 0.82), rgba(13, 63, 122, 0.82)),
              url('../img/hero.jpg') center/cover no-repeat;
  color: var(--white);
  padding: 110px 0;
  text-align: center;
}
.hero h1 {
  font-size: clamp(2rem, 5vw, 3.3rem);
  line-height: 1.2;
  margin-bottom: 18px;
  font-weight: 800;
}
.hero h1 span { color: var(--accent); }
.hero p {
  max-width: 680px;
  margin: 0 auto 34px;
  font-size: 1.1rem;
  color: #dbe7f6;
}
.hero-btns { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* Page hero (inner pages) */
.page-hero {
  background: linear-gradient(rgba(13, 63, 122, 0.85), rgba(13, 63, 122, 0.85)),
              url('../img/hero.jpg') center/cover no-repeat;
  color: var(--white);
  padding: 70px 0;
  text-align: center;
}
.page-hero h1 { font-size: clamp(1.8rem, 4vw, 2.6rem); margin-bottom: 8px; }
.breadcrumb { font-size: 0.9rem; color: #cfe0f4; }
.breadcrumb a { color: #cfe0f4; }
.breadcrumb a:hover { color: var(--accent); }

/* ---------- Section Headings ---------- */
.section-head { text-align: center; max-width: 720px; margin: 0 auto 50px; }
.section-head .tag {
  display: inline-block;
  background: var(--primary-light);
  color: var(--primary);
  font-weight: 700;
  font-size: 0.78rem;
  letter-spacing: 2px;
  text-transform: uppercase;
  padding: 6px 18px;
  border-radius: 30px;
  margin-bottom: 14px;
}
.section-head h2 {
  font-size: clamp(1.6rem, 3.5vw, 2.3rem);
  color: var(--dark);
  margin-bottom: 12px;
  line-height: 1.25;
}
.section-head p { color: var(--muted); }

/* ---------- Services Grid ---------- */
.grid { display: grid; gap: 26px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }

.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 34px 26px;
  text-align: center;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow);
  border-color: transparent;
}
.service-card .icon {
  width: 68px;
  height: 68px;
  margin: 0 auto 18px;
  background: var(--primary-light);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}
.service-card:hover .icon { background: var(--primary); }
.service-card:hover .icon svg { fill: var(--white); stroke: var(--white); }
.service-card h3 { color: var(--dark); font-size: 1.15rem; margin-bottom: 10px; }
.service-card p { font-size: 0.92rem; color: var(--muted); margin-bottom: 16px; }
.service-card .card-link { font-weight: 700; font-size: 0.9rem; }
.service-card .card-link::after { content: " →"; }

/* Image service cards (services page) */
.service-card-img {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
}
.service-card-img:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.service-card-img .thumb { height: 190px; overflow: hidden; }
.service-card-img .thumb img { width: 100%; height: 100%; object-fit: cover; transition: var(--transition); }
.service-card-img:hover .thumb img { transform: scale(1.06); }
.service-card-img .body { padding: 24px; flex: 1; display: flex; flex-direction: column; }
.service-card-img h3 { color: var(--dark); margin-bottom: 10px; font-size: 1.2rem; }
.service-card-img p { font-size: 0.93rem; color: var(--muted); margin-bottom: 16px; flex: 1; }

/* ---------- Why Choose Us ---------- */
.why-section { background: var(--light); }
.why-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 56px; align-items: center; }
.why-img img { border-radius: var(--radius); box-shadow: var(--shadow); }
.why-list li {
  display: flex;
  gap: 16px;
  margin-bottom: 22px;
  align-items: flex-start;
}
.why-list .icon {
  flex-shrink: 0;
  width: 52px;
  height: 52px;
  background: var(--white);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-sm);
}
.why-list h3 { color: var(--dark); font-size: 1.05rem; margin-bottom: 4px; }
.why-list p { font-size: 0.92rem; color: var(--muted); }

/* ---------- Process / How it works ---------- */
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 26px; }
.process-step {
  text-align: center;
  padding: 30px 20px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  transition: var(--transition);
}
.process-step:hover { box-shadow: var(--shadow); transform: translateY(-4px); }
.process-step .step-icon {
  width: 72px;
  height: 72px;
  margin: 0 auto 16px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  display: flex;
  align-items: center;
  justify-content: center;
}
.process-step h3 { color: var(--dark); font-size: 1.05rem; margin-bottom: 8px; }
.process-step p { font-size: 0.9rem; color: var(--muted); }

/* ---------- Testimonials ---------- */
.testimonial-section { background: var(--light); }
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px 28px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  position: relative;
}
.testimonial-card::before {
  content: "“";
  position: absolute;
  top: 6px;
  right: 22px;
  font-size: 4.5rem;
  color: var(--primary-light);
  font-family: Georgia, serif;
  line-height: 1;
}
.testimonial-card p { font-style: italic; color: var(--text); margin-bottom: 20px; font-size: 0.95rem; }
.testimonial-author { display: flex; align-items: center; gap: 14px; }
.testimonial-author .avatar {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1.05rem;
}
.testimonial-author strong { color: var(--dark); display: block; font-size: 0.95rem; }
.testimonial-author span { font-size: 0.82rem; color: var(--muted); }

/* ---------- Blog Cards ---------- */
.blog-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
}
.blog-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.blog-card .thumb { height: 210px; overflow: hidden; }
.blog-card .thumb img { width: 100%; height: 100%; object-fit: cover; transition: var(--transition); }
.blog-card:hover .thumb img { transform: scale(1.06); }
.blog-card .body { padding: 24px; flex: 1; display: flex; flex-direction: column; }
.blog-card .meta { font-size: 0.8rem; color: var(--muted); margin-bottom: 8px; text-transform: uppercase; letter-spacing: 1px; font-weight: 600; }
.blog-card h3 { color: var(--dark); font-size: 1.15rem; margin-bottom: 10px; line-height: 1.4; }
.blog-card h3 a { color: var(--dark); }
.blog-card h3 a:hover { color: var(--primary); }
.blog-card p { font-size: 0.92rem; color: var(--muted); margin-bottom: 16px; flex: 1; }
.read-more { font-weight: 700; font-size: 0.9rem; }
.read-more::after { content: " →"; }

/* ---------- CTA Banner ---------- */
.cta-banner {
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  color: var(--white);
  border-radius: var(--radius);
  padding: 54px 46px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  flex-wrap: wrap;
}
.cta-banner h2 { font-size: clamp(1.4rem, 3vw, 2rem); margin-bottom: 8px; }
.cta-banner p { color: #cfe0f4; max-width: 560px; }

/* ---------- Newsletter strip ---------- */
.newsletter-section { background: var(--light); }
.newsletter-box {
  max-width: 640px;
  margin: 0 auto;
  text-align: center;
}
.newsletter-inline {
  display: flex;
  gap: 12px;
  margin-top: 26px;
  flex-wrap: wrap;
  justify-content: center;
}
.newsletter-inline input[type="email"] {
  flex: 1;
  min-width: 260px;
  padding: 13px 20px;
  border: 1px solid var(--border);
  border-radius: 30px;
  font-size: 0.95rem;
  outline: none;
}
.newsletter-inline input[type="email"]:focus { border-color: var(--primary); }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.3fr; gap: 46px; align-items: start; }
.contact-info-card {
  background: var(--light);
  border-radius: var(--radius);
  padding: 34px 30px;
  border: 1px solid var(--border);
}
.contact-info-card li { display: flex; gap: 16px; margin-bottom: 24px; align-items: flex-start; }
.contact-info-card li:last-child { margin-bottom: 0; }
.contact-info-card .icon {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  background: var(--primary);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.contact-info-card h3 { color: var(--dark); font-size: 1rem; margin-bottom: 3px; }
.contact-info-card p, .contact-info-card a { font-size: 0.93rem; color: var(--muted); }
.contact-info-card a:hover { color: var(--primary); }

/* ---------- Forms ---------- */
.form-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 38px 34px;
  box-shadow: var(--shadow-sm);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-weight: 600;
  color: var(--dark);
  margin-bottom: 7px;
  font-size: 0.92rem;
}
.form-group label .req { color: var(--error); }
.form-group input[type="text"],
.form-group input[type="email"],
.form-group input[type="tel"],
.form-group input[type="date"],
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid var(--border);
  border-radius: 10px;
  font-size: 0.95rem;
  font-family: inherit;
  color: var(--text);
  background: var(--white);
  outline: none;
  transition: var(--transition);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(18, 87, 166, 0.12);
}
.form-group textarea { resize: vertical; min-height: 130px; }

.checkbox-group {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin-bottom: 22px;
}
.checkbox-group input[type="checkbox"] {
  width: 18px;
  height: 18px;
  margin-top: 4px;
  accent-color: var(--primary);
  flex-shrink: 0;
  cursor: pointer;
}
.checkbox-group label {
  font-size: 0.88rem;
  color: var(--muted);
  font-weight: 500;
  cursor: pointer;
  margin-bottom: 0;
}
.checkbox-group label a { font-weight: 600; }

.form-message {
  display: none;
  padding: 13px 18px;
  border-radius: 10px;
  font-size: 0.92rem;
  font-weight: 600;
  margin-bottom: 18px;
}
.form-message.success { display: block; background: #e6f6ed; color: var(--success); border: 1px solid #bde7cf; }
.form-message.error { display: block; background: #fdeaea; color: var(--error); border: 1px solid #f3c4c4; }
.field-error { border-color: var(--error) !important; }

/* ---------- About page ---------- */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.about-grid img { border-radius: var(--radius); box-shadow: var(--shadow); }
.about-grid h2 { color: var(--dark); font-size: clamp(1.5rem, 3vw, 2.1rem); margin-bottom: 16px; }
.about-grid p { margin-bottom: 14px; color: var(--muted); }
.check-list li {
  padding-left: 30px;
  position: relative;
  margin-bottom: 10px;
  color: var(--text);
  font-weight: 500;
}
.check-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--success);
  font-weight: 800;
}

/* Mission / Vision / Values */
.values-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 28px;
  text-align: center;
  transition: var(--transition);
}
.values-card:hover { box-shadow: var(--shadow); transform: translateY(-4px); }
.values-card .icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 16px;
  background: var(--primary-light);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.values-card h3 { color: var(--dark); margin-bottom: 10px; font-size: 1.15rem; }
.values-card p { font-size: 0.92rem; color: var(--muted); }

/* ---------- Blog post page ---------- */
.post-wrap { max-width: 860px; margin: 0 auto; }
.post-hero-img { border-radius: var(--radius); overflow: hidden; margin-bottom: 34px; box-shadow: var(--shadow-sm); }
.post-hero-img img { width: 100%; height: 380px; object-fit: cover; }
.post-meta {
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
  margin-bottom: 14px;
  font-size: 0.85rem;
  color: var(--muted);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
}
.post-wrap h1 { color: var(--dark); font-size: clamp(1.6rem, 3.5vw, 2.4rem); line-height: 1.3; margin-bottom: 22px; }
.post-body h2 { color: var(--dark); font-size: 1.4rem; margin: 34px 0 14px; }
.post-body h3 { color: var(--dark); font-size: 1.15rem; margin: 26px 0 10px; }
.post-body p { margin-bottom: 16px; color: var(--text); }
.post-body ul, .post-body ol { margin: 0 0 18px 22px; }
.post-body ul { list-style: disc; }
.post-body ol { list-style: decimal; }
.post-body li { margin-bottom: 8px; color: var(--text); }
.post-body blockquote {
  border-left: 4px solid var(--accent);
  background: var(--light);
  padding: 18px 24px;
  border-radius: 0 12px 12px 0;
  margin: 24px 0;
  font-style: italic;
  color: var(--dark);
}
.post-nav {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  margin-top: 46px;
  padding-top: 30px;
  border-top: 1px solid var(--border);
  flex-wrap: wrap;
}

/* ---------- Legal pages ---------- */
.legal-wrap { max-width: 860px; margin: 0 auto; }
.legal-wrap h1 { color: var(--dark); font-size: clamp(1.7rem, 3.5vw, 2.4rem); margin-bottom: 10px; }
.legal-wrap .updated { color: var(--muted); font-size: 0.9rem; margin-bottom: 30px; }
.legal-wrap h2 { color: var(--dark); font-size: 1.3rem; margin: 32px 0 12px; }
.legal-wrap p { margin-bottom: 14px; color: var(--text); }
.legal-wrap ul { list-style: disc; margin: 0 0 16px 22px; }
.legal-wrap li { margin-bottom: 8px; }
.legal-wrap a { font-weight: 600; }

/* ---------- Subscribe / Unsubscribe page ---------- */
.subscribe-page { background: var(--light); }
.subscribe-wrap { max-width: 620px; margin: 0 auto; }
.subscribe-intro { text-align: center; margin-bottom: 34px; }
.subscribe-intro h2 { color: var(--dark); font-size: 1.7rem; margin-bottom: 10px; }
.subscribe-intro p { color: var(--muted); }

/* ---------- Map ---------- */
.map-frame {
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
}
.map-frame iframe { width: 100%; height: 380px; border: 0; display: block; }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--dark);
  color: #aebbd0;
  padding: 70px 0 0;
  font-size: 0.92rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.3fr;
  gap: 40px;
  padding-bottom: 46px;
}
.footer-col h3 {
  color: var(--white);
  font-size: 1.05rem;
  margin-bottom: 20px;
  position: relative;
  padding-bottom: 10px;
}
.footer-col h3::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 36px;
  height: 3px;
  background: var(--accent);
  border-radius: 2px;
}
.footer-col ul li { margin-bottom: 10px; }
.footer-col a { color: #aebbd0; }
.footer-col a:hover { color: var(--accent); padding-left: 4px; }
.footer-about p { margin: 16px 0; line-height: 1.7; }
.footer-contact li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin-bottom: 12px;
}
.footer-contact svg { flex-shrink: 0; margin-top: 4px; }
.footer-newsletter p { margin-bottom: 16px; }
.footer-newsletter input[type="email"] {
  width: 100%;
  padding: 12px 16px;
  border-radius: 10px;
  border: 1px solid #2c3d59;
  background: #1e2d47;
  color: var(--white);
  font-size: 0.9rem;
  outline: none;
  margin-bottom: 12px;
}
.footer-newsletter input[type="email"]::placeholder { color: #7d8ca5; }
.footer-newsletter input[type="email"]:focus { border-color: var(--accent); }
.footer-newsletter .msg { font-size: 0.82rem; margin-top: 10px; display: none; }
.footer-newsletter .msg.success { display: block; color: #6fd39a; }
.footer-newsletter .msg.error { display: block; color: #ef8a8a; }
.social-links { display: flex; gap: 10px; margin-top: 18px; }
.social-links a {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: #1e2d47;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
}
.social-links a:hover { background: var(--accent); transform: translateY(-3px); padding-left: 0; }
.footer-bottom {
  border-top: 1px solid #263652;
  padding: 20px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
  font-size: 0.85rem;
}
.footer-bottom-links { display: flex; gap: 20px; flex-wrap: wrap; }

/* ---------- Back to top ---------- */
.back-top {
  position: fixed;
  right: 24px;
  bottom: 24px;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--primary);
  color: var(--white);
  border: none;
  cursor: pointer;
  font-size: 1.2rem;
  display: none;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow);
  z-index: 900;
  transition: var(--transition);
}
.back-top.show { display: flex; }
.back-top:hover { background: var(--accent); }

/* ---------- Responsive ---------- */
@media (max-width: 992px) {
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .process-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .why-grid, .about-grid, .contact-grid { grid-template-columns: 1fr; gap: 36px; }
}

@media (max-width: 768px) {
  section { padding: 54px 0; }
  .topbar .container { justify-content: center; text-align: center; }
  .topbar-links { display: none; }
  .nav-toggle { display: block; }
  .main-nav {
    position: fixed;
    top: 0;
    right: -100%;
    width: min(320px, 85vw);
    height: 100vh;
    background: var(--white);
    box-shadow: -6px 0 24px rgba(22, 35, 58, 0.15);
    padding: 90px 24px 30px;
    transition: right 0.35s ease;
    overflow-y: auto;
    z-index: 1100;
  }
  .main-nav.open { right: 0; }
  .main-nav ul { flex-direction: column; align-items: stretch; gap: 2px; }
  .main-nav a { padding: 12px 14px; }
  .dropdown {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    display: none;
    padding: 0 0 0 14px;
  }
  .has-dropdown.open .dropdown { display: block; }
  .has-dropdown > a { display: flex; justify-content: space-between; align-items: center; }
  .nav-cta { text-align: center; margin-top: 10px; }
  .nav-overlay {
    display: none;
    position: fixed;
    inset: 0;
    background: rgba(22, 35, 58, 0.5);
    z-index: 1050;
  }
  .nav-overlay.show { display: block; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .hero { padding: 80px 0; }
  .cta-banner { text-align: center; justify-content: center; padding: 40px 26px; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { justify-content: center; text-align: center; }
}