/* =========================================================
   Grupo CIMA — Seguros Personales
   Design system: navy / azul / coral / verde lima (marca CIMA)
   Type: Sora (headings) + Work Sans (body), self-hosted variable fonts
   ========================================================= */

@import url('../fonts/fonts.css');

:root{
  /* Brand */
  --navy: #001E63;
  --navy-700: #06265C;
  --navy-900: #061024;
  --blue: #0095EB;
  --blue-deep: #0168B0;
  --coral: #F0463F;
  --coral-dark: #D33832;
  --lime: #8FCB2E;
  --lime-dark: #6EA31D;

  /* Neutrals */
  --ink: #0B1526;
  --muted: #55607A;
  --muted-light: #8792A8;
  --bg: #F6F8FC;
  --bg-alt: #EDF2FA;
  --surface: #FFFFFF;
  --line: rgba(11,21,38,.09);
  --line-strong: rgba(11,21,38,.16);

  /* Shape */
  --r-pill: 999px;
  --r-lg: 22px;
  --r-md: 14px;
  --r-sm: 10px;

  /* Shadow (tinted navy) */
  --shadow-sm: 0 2px 10px rgba(0,30,99,.07);
  --shadow-md: 0 14px 34px rgba(0,30,99,.12);
  --shadow-lg: 0 28px 64px rgba(0,30,99,.18);

  --container: 1220px;
  --nav-h: 76px;

  --ease: cubic-bezier(.16,1,.3,1);
}

/* ---------- Reset ---------- */
*, *::before, *::after{ box-sizing: border-box; }
html{ scroll-behavior: smooth; scroll-padding-top: calc(var(--nav-h) + 12px); }
body, h1, h2, h3, h4, p, figure, blockquote, dl, dd, ul, ol{ margin: 0; }
ul[class], ol[class]{ list-style: none; padding: 0; }
img, picture, svg{ display: block; max-width: 100%; }
input, button, textarea, select{ font: inherit; color: inherit; }
button{ cursor: pointer; }
a{ color: inherit; text-decoration: none; }

@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior: auto; }
  *, *::before, *::after{
    animation-duration: .001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .001ms !important;
    scroll-behavior: auto !important;
  }
}

body{
  background: var(--bg);
  color: var(--ink);
  font-family: 'Work Sans', system-ui, -apple-system, 'Segoe UI', sans-serif;
  font-weight: 400;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  padding-top: var(--nav-h);
}

h1, h2, h3, h4{
  font-family: 'Sora', 'Work Sans', system-ui, sans-serif;
  color: var(--navy);
  line-height: 1.15;
  font-weight: 700;
  letter-spacing: -0.01em;
}

.icon{
  width: 1em; height: 1em; flex-shrink: 0;
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.container{
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: 24px;
}

.section{ padding-block: clamp(64px, 9vw, 112px); }
.section-alt{ background: var(--bg-alt); }
.section-head{ max-width: 640px; margin-bottom: 44px; }
.section-head p{ color: var(--muted); font-size: 1.05rem; margin-top: 12px; }
.section-head.center{ margin-inline: auto; text-align: center; }

.eyebrow-none{ display:none; } /* intentionally unused: eyebrow labels avoided by design */

/* ---------- Reveal on scroll ---------- */
.reveal{
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .7s var(--ease), transform .7s var(--ease);
}
.reveal.is-visible{ opacity: 1; transform: translateY(0); }
.reveal-stagger > *{ transition-delay: calc(var(--i, 0) * 90ms); }

@media (prefers-reduced-motion: reduce){
  .reveal{ opacity: 1; transform: none; transition: none; }
}

/* ---------- Buttons ---------- */
.btn{
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .55rem;
  white-space: nowrap;
  padding: 0.95rem 1.7rem;
  border-radius: var(--r-pill);
  font-weight: 700;
  font-size: .98rem;
  border: 1.5px solid transparent;
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), background-color .25s var(--ease);
}
.btn .icon{ width: 1.1em; height: 1.1em; }
.btn:active{ transform: scale(.97); }

.btn-primary{
  background: var(--lime);
  color: var(--navy);
}
.btn-primary:hover{ transform: translateY(-2px); box-shadow: var(--shadow-md); background: #9ed443; }

.btn-outline{
  background: transparent;
  border-color: var(--navy-700);
  color: var(--navy);
}
.btn-outline:hover{ background: var(--navy); color: #fff; transform: translateY(-2px); }

.btn-outline-light{
  background: rgba(255,255,255,.06);
  border-color: rgba(255,255,255,.55);
  color: #fff;
  backdrop-filter: blur(6px);
}
.btn-outline-light:hover{ background: #fff; color: var(--navy); transform: translateY(-2px); }

.btn-sm{ padding: .7rem 1.25rem; font-size: .9rem; }
.btn-block{ width: 100%; }

/* =========================================================
   Header / Navigation
   ========================================================= */
.site-header{
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  height: var(--nav-h);
  display: flex;
  align-items: center;
  border-bottom: 1px solid var(--line);
  transition: box-shadow .3s var(--ease);
}
.site-header::before{
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background: rgba(246,248,252,.78);
  backdrop-filter: blur(14px) saturate(160%);
  -webkit-backdrop-filter: blur(14px) saturate(160%);
  transform: translateZ(0);
  -webkit-transform: translateZ(0);
  backface-visibility: hidden;
}
.site-header.scrolled{ box-shadow: 0 8px 24px rgba(0,30,99,.08); }

.nav-inner{
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  width: 100%;
}

.brand{ display: flex; align-items: center; gap: .6rem; flex-shrink: 0; }
.brand img{ height: 34px; width: auto; }

.nav-links{
  display: flex;
  align-items: center;
  gap: 1.9rem;
  font-size: .96rem;
  font-weight: 600;
  color: var(--navy-700);
}
.nav-links a{ position: relative; padding: .3rem 0; }
.nav-links a::after{
  content:"";
  position:absolute; left:0; right:0; bottom:-2px;
  height:2px; background: var(--coral);
  transform: scaleX(0); transform-origin: left;
  transition: transform .25s var(--ease);
}
.nav-links a:hover::after, .nav-links a.active::after{ transform: scaleX(1); }
.nav-links a:hover{ color: var(--navy); }

.nav-cta{ display: flex; align-items: center; gap: 1rem; flex-shrink: 0; }
.nav-phone{
  display: flex; align-items: center; gap: .45rem;
  font-weight: 700; font-size: .92rem; color: var(--navy);
}
.nav-phone .icon{ color: var(--coral); width: 1.05rem; height: 1.05rem; }

.nav-toggle{
  display: none;
  background: none; border: none; padding: .4rem;
  color: var(--navy);
}
.nav-toggle .icon{ width: 26px; height: 26px; }
.nav-toggle .icon-close{ display: none; }
.nav-toggle[aria-expanded="true"] .icon-menu{ display: none; }
.nav-toggle[aria-expanded="true"] .icon-close{ display: block; }

@media (max-width: 980px){
  .nav-phone{ display: none; }
}

@media (max-width: 1150px){
  .nav-links{
    position: fixed;
    top: var(--nav-h);
    left: 0;
    right: 0;
    height: calc(100vh - var(--nav-h));
    height: calc(100dvh - var(--nav-h));
    background: var(--surface);
    flex-direction: column;
    align-items: flex-start;
    gap: 0;
    padding: 1.5rem 24px;
    clip-path: inset(0 0 0 100%);
    transition: clip-path .4s var(--ease);
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
    pointer-events: none;
  }
  .nav-links.open{ clip-path: inset(0 0 0 0%); pointer-events: auto; }
  .nav-links a{ width: 100%; padding: 1rem 0; border-bottom: 1px solid var(--line); font-size: 1.1rem; }
  .nav-toggle{ display: inline-flex; }
  .nav-cta .btn span{ display:none; }
  .nav-cta .btn{ padding: .8rem 1rem; }
  .nav-cta .btn .icon{ display:block; }
}
@media (min-width: 861px){
  .icon-only-mobile{ display: none; }
}

/* =========================================================
   Hero
   ========================================================= */
.hero{
  position: relative;
  padding-top: clamp(40px, 6vw, 72px);
  padding-bottom: clamp(56px, 7vw, 88px);
  overflow: hidden;
  background:
    radial-gradient(1100px 520px at 82% -10%, rgba(0,149,235,.10), transparent 60%),
    radial-gradient(700px 420px at -5% 40%, rgba(240,70,63,.06), transparent 60%);
}

.hero-grid{
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: clamp(2rem, 5vw, 4rem);
  align-items: center;
}

.hero-copy h1{
  font-size: clamp(2.25rem, 1.55rem + 2.6vw, 3.6rem);
  max-width: 15ch;
}
.hero-copy p{
  margin-top: 1.15rem;
  font-size: 1.14rem;
  color: var(--muted);
  max-width: 46ch;
}
.hero-actions{
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 2.1rem;
}

.hero-visual{
  position: relative;
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  grid-template-rows: 1fr 1fr;
  gap: 14px;
  aspect-ratio: 1.05 / 1;
}
.hv-tile{
  position: relative;
  border-radius: var(--r-lg);
  overflow: hidden;
  background: var(--surface);
  box-shadow: var(--shadow-md);
  transition: transform .5s var(--ease), box-shadow .5s var(--ease);
}
.hv-tile:hover{ transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.hv-tile img{ width: 100%; height: 100%; object-fit: cover; }
.hv-main{ grid-row: 1 / 3; }
.hv-main img{ object-position: center 20%; }

.hv-tint-navy{ background: linear-gradient(160deg, #0A2A6E, #001E63); }
.hv-tint-coral{ background: linear-gradient(160deg, #F0463F, #C6332D); }
.hv-tint-blue{ background: linear-gradient(160deg, #0095EB, #0168B0); }

.hv-tile.hv-fit img{ object-fit: contain; padding: 10px; }

.hv-badge{
  position: absolute;
  left: -14px;
  bottom: -18px;
  background: var(--surface);
  border-radius: var(--r-md);
  box-shadow: var(--shadow-lg);
  padding: 14px 18px;
  display: flex;
  align-items: center;
  gap: .8rem;
  max-width: 230px;
  z-index: 5;
}
.hv-badge .icon-wrap{
  width: 42px; height: 42px; border-radius: 50%;
  background: var(--lime);
  display: flex; align-items: center; justify-content: center;
  color: var(--navy);
  flex-shrink: 0;
}
.hv-badge .icon-wrap .icon{ width: 22px; height: 22px; }
.hv-badge strong{ display:block; font-family:'Sora',sans-serif; color: var(--navy); font-size: 1.05rem; }
.hv-badge span{ font-size: .82rem; color: var(--muted); }

@media (max-width: 980px){
  .hero-grid{ grid-template-columns: 1fr; }
  .hero-visual{ max-width: 460px; margin-inline: auto; aspect-ratio: 1/1; }
  .hv-badge{ left: 12px; }
}

/* =========================================================
   Trust marquee
   ========================================================= */
.trust{
  padding-block: 40px 30px;
  text-align: center;
}
.trust p{
  font-size: .95rem;
  color: var(--muted);
  margin-bottom: 22px;
  font-weight: 600;
}
.marquee{
  overflow: hidden;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
  mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.marquee-track{
  display: flex;
  align-items: center;
  gap: clamp(2.5rem, 6vw, 4.5rem);
  width: max-content;
  animation: marquee 32s linear infinite;
}
.marquee:hover .marquee-track{ animation-play-state: paused; }
.marquee-track img{
  height: 34px;
  width: auto;
  object-fit: contain;
  filter: grayscale(1) opacity(.55);
  transition: filter .3s var(--ease);
}
.marquee-track img:hover{ filter: grayscale(0) opacity(1); }

@keyframes marquee{
  from{ transform: translateX(0); }
  to{ transform: translateX(-50%); }
}
@media (prefers-reduced-motion: reduce){
  .marquee{ mask-image: none; -webkit-mask-image: none; overflow-x: auto; }
  .marquee-track{ animation: none; flex-wrap: wrap; width: 100%; justify-content: center; }
}

/* =========================================================
   Stat band
   ========================================================= */
.stat-band{
  background: linear-gradient(120deg, var(--navy) 0%, var(--blue-deep) 100%);
  color: #fff;
  padding-block: clamp(44px, 6vw, 64px);
}
.stat-row{
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}
.stat-item{
  text-align: center;
  padding-inline: 1rem;
  border-left: 1px solid rgba(255,255,255,.18);
}
.stat-item:first-child{ border-left: none; }
.stat-item strong{
  display: block;
  font-family: 'Sora', sans-serif;
  font-size: clamp(2rem, 1.6rem + 1.2vw, 2.7rem);
  font-weight: 800;
}
.stat-item span{ font-size: .92rem; color: rgba(255,255,255,.82); }

@media (max-width: 760px){
  .stat-row{ grid-template-columns: repeat(2, 1fr); row-gap: 2rem; }
  .stat-item:nth-child(3){ border-left: none; }
}

/* =========================================================
   Product showcase (tabs)
   ========================================================= */
.tabs-nav{
  display: flex;
  flex-wrap: wrap;
  gap: .7rem;
  margin-bottom: 2.6rem;
}
.tab-btn{
  display: inline-flex;
  align-items: center;
  gap: .6rem;
  padding: .85rem 1.35rem;
  border-radius: var(--r-pill);
  background: var(--surface);
  border: 1.5px solid var(--line-strong);
  color: var(--muted);
  font-weight: 700;
  font-size: .95rem;
  transition: all .3s var(--ease);
}
.tab-btn .icon{ width: 1.15rem; height: 1.15rem; }
.tab-btn:hover{ border-color: var(--blue); color: var(--navy); }
.tab-btn[aria-selected="true"]{
  background: var(--navy);
  border-color: var(--navy);
  color: #fff;
  box-shadow: var(--shadow-md);
}

.tab-panel{ display: none; }
.tab-panel.active{
  display: grid;
  grid-template-columns: .95fr 1.05fr;
  gap: clamp(2rem, 5vw, 4rem);
  align-items: center;
  animation: fadeUp .5s var(--ease);
}
@keyframes fadeUp{
  from{ opacity: 0; transform: translateY(16px); }
  to{ opacity: 1; transform: translateY(0); }
}
@media (prefers-reduced-motion: reduce){
  .tab-panel.active{ animation: none; }
}

.tab-visual{
  position: relative;
  border-radius: var(--r-lg);
  overflow: hidden;
  aspect-ratio: 4/3.4;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-md);
}
.tab-visual img{ width: 78%; height: 78%; object-fit: contain; }
.tv-auto{ background: linear-gradient(150deg, #EAF3FF, #CFE7FC); }
.tv-vida{ background: linear-gradient(150deg, #FDEAEA, #FBD3D1); }
.tv-hogar{ background: linear-gradient(150deg, #E8F0FF, #D3E3FA); }
.tv-gastos{ background: linear-gradient(150deg, #EFF9E4, #DAF0C2); }

.tab-content h3{ font-size: 1.7rem; margin-bottom: 1rem; }
.tab-content > p{ color: var(--muted); font-size: 1.03rem; margin-bottom: 1.4rem; }

.check-list{ display: grid; gap: .8rem; margin-bottom: 1.8rem; }
.check-list li{
  display: flex;
  align-items: flex-start;
  gap: .7rem;
  font-size: .98rem;
  color: var(--ink);
}
.check-list .icon{
  color: var(--lime-dark);
  background: rgba(143,203,46,.16);
  border-radius: 50%;
  width: 1.4rem; height: 1.4rem;
  padding: .28rem;
  flex-shrink: 0;
  margin-top: .1rem;
}

@media (max-width: 860px){
  .tab-panel.active{ grid-template-columns: 1fr; }
  .tab-visual{ order: -1; max-width: 380px; margin-inline: auto; width: 100%; }
}

/* =========================================================
   Process steps
   ========================================================= */
.process{
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  position: relative;
}
.process::before{
  content: "";
  position: absolute;
  top: 28px;
  left: 12%;
  right: 12%;
  height: 2px;
  background: repeating-linear-gradient(90deg, var(--line-strong) 0 10px, transparent 10px 18px);
}
.process-step{ position: relative; text-align: center; }
.process-num{
  width: 58px; height: 58px;
  border-radius: 50%;
  background: var(--surface);
  border: 2px solid var(--navy);
  color: var(--navy);
  font-family: 'Sora', sans-serif;
  font-weight: 800;
  font-size: 1.3rem;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 1.3rem;
  position: relative;
  z-index: 2;
  box-shadow: 0 0 0 6px var(--bg);
}
.process-step:nth-child(2) .process-num{ background: var(--navy); color: #fff; }
.process-step h3{ font-size: 1.2rem; margin-bottom: .5rem; }
.process-step p{ color: var(--muted); font-size: .97rem; }

@media (max-width: 760px){
  .process{ grid-template-columns: 1fr; gap: 2.4rem; }
  .process::before{ display: none; }
}

/* =========================================================
   Differentiators bento
   ========================================================= */
.bento{
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  grid-auto-rows: minmax(150px, auto);
  gap: 1.1rem;
}
.bento-card{
  border-radius: var(--r-lg);
  padding: 1.8rem;
  background: var(--surface);
  border: 1px solid var(--line);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: flex-end;
  text-align: center;
  gap: .6rem;
  transition: transform .4s var(--ease), box-shadow .4s var(--ease);
}
.bento-card:hover{ transform: translateY(-5px); box-shadow: var(--shadow-md); }
.bento-card .icon-wrap{
  width: 46px; height: 46px;
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: .4rem;
}
.bento-card .icon-wrap .icon{ width: 24px; height: 24px; }
.bento-card strong{ font-family:'Sora',sans-serif; font-size: 1.5rem; color: var(--navy); }
.bento-card p{ color: var(--muted); font-size: .93rem; }

.bento-1{ grid-column: span 2; grid-row: span 2; }
.bento-2{ grid-column: span 2; }
.bento-3{ grid-column: span 1; }
.bento-4{ grid-column: span 1; }
.bento-5{ grid-column: span 2; }

.bento-1{
  background: linear-gradient(150deg, var(--navy) 0%, var(--blue-deep) 100%);
  color: #fff;
  justify-content: space-between;
}
.bento-1 strong{ color: #fff; font-size: clamp(2.4rem, 2rem + 1.5vw, 3.2rem); }
.bento-1 p{ color: rgba(255,255,255,.85); font-size: 1rem; max-width: 30ch; }
.bento-1 .icon-wrap{ background: rgba(255,255,255,.14); color: #fff; }

.bento-2 .icon-wrap{ background: rgba(240,70,63,.12); color: var(--coral); }
.bento-3 .icon-wrap{ background: rgba(0,149,235,.12); color: var(--blue); }
.bento-4 .icon-wrap{ background: rgba(143,203,46,.18); color: var(--lime-dark); }
.bento-5 .icon-wrap{ background: rgba(1,104,176,.12); color: var(--blue-deep); }

@media (max-width: 900px){
  .bento{ grid-template-columns: repeat(2, 1fr); }
  .bento-1{ grid-column: span 2; grid-row: span 1; }
  .bento-2, .bento-5{ grid-column: span 2; }
}
@media (max-width: 560px){
  .bento{ grid-template-columns: 1fr; }
  .bento-1, .bento-2, .bento-3, .bento-4, .bento-5{ grid-column: span 1; }
}

/* Mission / Vision */
.mv-grid{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.1rem;
  margin-top: 1.1rem;
}
.mv-card{
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 2rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: .7rem;
  transition: transform .4s var(--ease), box-shadow .4s var(--ease);
}
.mv-card:hover{ transform: translateY(-5px); box-shadow: var(--shadow-md); }
.mv-card .icon-wrap{
  width: 52px; height: 52px;
  border-radius: 14px;
  background: rgba(0,149,235,.1);
  color: var(--blue);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: .3rem;
}
.mv-card .icon-wrap .icon{ width: 26px; height: 26px; }
.mv-card:nth-child(2) .icon-wrap{ background: rgba(240,70,63,.1); color: var(--coral); }
.mv-card h3{ font-size: 1.2rem; }
.mv-card p{ color: var(--muted); font-size: .96rem; max-width: 46ch; }

@media (max-width: 760px){
  .mv-grid{ grid-template-columns: 1fr; }
}

/* =========================================================
   Coverage scroller
   ========================================================= */
.scroller-wrap{ position: relative; }
.coverage-scroller{
  display: flex;
  gap: 1.25rem;
  overflow-x: auto;
  scroll-snap-type: x mandatory;
  padding-bottom: 1rem;
  scrollbar-width: none;
  cursor: grab;
  user-select: none;
  -webkit-user-select: none;
}
.coverage-scroller::-webkit-scrollbar{ display: none; }
.coverage-scroller.dragging{
  cursor: grabbing;
  scroll-snap-type: none;
  scroll-behavior: auto;
}
.coverage-scroller.dragging .coverage-card{ pointer-events: none; }
.coverage-card{
  scroll-snap-align: start;
  flex: 0 0 auto;
  width: 270px;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 1.7rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease);
}
.coverage-card:hover{ transform: translateY(-5px); box-shadow: var(--shadow-md); }
.coverage-card .icon-wrap{
  width: 46px; height: 46px; border-radius: 12px;
  background: rgba(0,30,99,.06);
  color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 1.1rem;
}
.coverage-card .icon-wrap .icon{ width: 24px; height: 24px; }
.coverage-card h3{ font-size: 1.05rem; margin-bottom: .5rem; }
.coverage-card p{ font-size: .9rem; color: var(--muted); }

.scroller-arrows{ display: flex; gap: .6rem; margin-top: 1.4rem; }
.scroller-arrow{
  width: 44px; height: 44px;
  border-radius: 50%;
  border: 1.5px solid var(--line-strong);
  background: var(--surface);
  color: var(--navy);
  display: flex; align-items: center; justify-content: center;
  transition: all .25s var(--ease);
}
.scroller-arrow:hover{ background: var(--navy); color: #fff; border-color: var(--navy); }
.scroller-arrow .icon{ width: 20px; height: 20px; }
.scroller-arrow.prev .icon{ transform: rotate(180deg); }

/* =========================================================
   Claims callout
   ========================================================= */
.claims{
  background: var(--navy);
  color: #fff;
  border-radius: var(--r-lg);
  padding: clamp(2rem, 4vw, 3.2rem);
  display: grid;
  grid-template-columns: .8fr 1.2fr;
  gap: clamp(1.8rem, 4vw, 3.5rem);
  align-items: start;
}
.claims-head .icon-wrap{
  width: 54px; height: 54px;
  border-radius: 14px;
  background: rgba(240,70,63,.18);
  color: var(--coral);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 1.2rem;
}
.claims-head .icon-wrap .icon{ width: 28px; height: 28px; }
.claims-head h2{ color: #fff; font-size: 1.7rem; margin-bottom: .8rem; }
.claims-head p{ color: rgba(255,255,255,.78); font-size: .98rem; }

.claims-list{ display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.1rem 1.6rem; }
.claims-list li{
  display: flex;
  gap: .8rem;
  font-size: .96rem;
  color: rgba(255,255,255,.92);
}
.claims-list .num{
  flex-shrink: 0;
  width: 28px; height: 28px;
  border-radius: 50%;
  background: rgba(255,255,255,.12);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Sora', sans-serif;
  font-weight: 700;
  font-size: .82rem;
}

@media (max-width: 860px){
  .claims{ grid-template-columns: 1fr; }
  .claims-list{ grid-template-columns: 1fr; }
}

.claims-light{
  background: var(--surface);
  border: 1px solid var(--line);
  color: var(--ink);
}
.claims-light .claims-head .icon-wrap{ background: rgba(0,149,235,.12); color: var(--blue); }
.claims-light .claims-head h2{ color: var(--navy); }
.claims-light .claims-head p{ color: var(--muted); }
.claims-light .claims-list li{ color: var(--ink); }
.claims-light .claims-list .num{ background: rgba(0,30,99,.08); color: var(--navy); }

/* =========================================================
   Business insurance
   ========================================================= */
.biz-grid{
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.1rem;
}
.biz-card{
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 1.7rem;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease);
}
.biz-card:hover{ transform: translateY(-5px); box-shadow: var(--shadow-md); }
.biz-card .icon-wrap{
  width: 46px; height: 46px; border-radius: 12px;
  background: rgba(1,104,176,.1);
  color: var(--blue-deep);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 1.1rem;
}
.biz-card .icon-wrap .icon{ width: 24px; height: 24px; }
.biz-card h3{ font-size: 1.05rem; margin-bottom: .5rem; }
.biz-card p{ font-size: .9rem; color: var(--muted); }

.biz-cta{ display: flex; justify-content: center; margin-top: 2.2rem; }

@media (max-width: 980px){
  .biz-grid{ grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px){
  .biz-grid{ grid-template-columns: 1fr; }
}

/* =========================================================
   FAQ Accordion
   ========================================================= */
.faq-list{ max-width: 780px; margin-inline: auto; }
.acc-item{
  border-bottom: 1px solid var(--line);
}
.acc-item:first-child{ border-top: 1px solid var(--line); }
.acc-trigger{
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  background: none;
  border: none;
  text-align: left;
  padding: 1.4rem 0;
  font-family: 'Sora', sans-serif;
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--navy);
}
.acc-trigger .icon{
  color: var(--coral);
  width: 1.3rem; height: 1.3rem;
  flex-shrink: 0;
  transition: transform .35s var(--ease);
}
.acc-item.open .acc-trigger .icon{ transform: rotate(180deg); }

.acc-panel{
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows .4s var(--ease);
}
.acc-item.open .acc-panel{ grid-template-rows: 1fr; }
.acc-panel-inner{ overflow: hidden; }
.acc-panel-inner p{
  padding-bottom: 1.5rem;
  color: var(--muted);
  max-width: 68ch;
  font-size: .98rem;
}

/* =========================================================
   Contact
   ========================================================= */
.contact-grid{
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: clamp(2rem, 5vw, 4rem);
}

.office-list{ display: grid; gap: 1rem; margin-top: 1.8rem; }
.office-card{
  display: flex;
  gap: 1rem;
  padding: 1.1rem 1.2rem;
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
}
.office-card .icon-wrap{
  width: 38px; height: 38px;
  border-radius: 10px;
  background: rgba(1,104,176,.1);
  color: var(--blue-deep);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.office-card .icon-wrap .icon{ width: 20px; height: 20px; }
.office-card strong{ display: block; color: var(--navy); font-size: .98rem; }
.office-card span{ font-size: .9rem; color: var(--muted); }

.hours-card{
  margin-top: 1.4rem;
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  padding: 1.1rem 1.2rem;
  background: var(--bg-alt);
  border-radius: var(--r-md);
}
.hours-card .icon{ color: var(--coral); width: 1.3rem; height: 1.3rem; margin-top: .2rem; }

.form-card{
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: clamp(1.6rem, 3vw, 2.6rem);
  box-shadow: var(--shadow-sm);
}
.form-row{ display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem; }
.field{ display: grid; gap: .45rem; margin-bottom: 1.1rem; }
.field label{ font-size: .88rem; font-weight: 600; color: var(--navy-700); }
.field input, .field select, .field textarea{
  border: 1.5px solid var(--line-strong);
  border-radius: var(--r-sm);
  padding: .8rem .95rem;
  background: var(--bg);
  color: var(--ink);
  font-size: .96rem;
  transition: border-color .2s var(--ease), box-shadow .2s var(--ease);
}
.field input::placeholder, .field textarea::placeholder{ color: var(--muted-light); }
.field input:focus, .field select:focus, .field textarea:focus{
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 4px rgba(0,149,235,.16);
}
.field textarea{ resize: vertical; min-height: 110px; }
.form-note{ font-size: .82rem; color: var(--muted-light); margin-top: .9rem; text-align: center; }

@media (max-width: 860px){
  .contact-grid{ grid-template-columns: 1fr; }
}
@media (max-width: 560px){
  .form-row{ grid-template-columns: 1fr; }
}

/* =========================================================
   Footer
   ========================================================= */
.site-footer{
  background: var(--navy-900);
  color: rgba(255,255,255,.72);
  padding-block: 56px 28px;
}
.footer-top{
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr;
  gap: 2.5rem;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.footer-brand img{ height: 34px; margin-bottom: 1rem; filter: brightness(0) invert(1); }
.footer-brand p{ font-size: .92rem; max-width: 34ch; color: rgba(255,255,255,.6); }
.footer-col h4{ color: #fff; font-size: .95rem; margin-bottom: 1.1rem; }
.footer-col ul{ display: grid; gap: .7rem; font-size: .92rem; }
.footer-col a:hover{ color: #fff; }
.footer-col li{ display: flex; align-items: center; gap: .6rem; }
.footer-col .icon{ width: 1rem; height: 1rem; color: var(--coral); flex-shrink: 0; }

.footer-bottom{
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
  padding-top: 24px;
  font-size: .84rem;
  color: rgba(255,255,255,.45);
}

@media (max-width: 760px){
  .footer-top{ grid-template-columns: 1fr; gap: 2rem; }
}

/* =========================================================
   Floating call button
   ========================================================= */
.fab-call{
  position: fixed;
  right: 22px;
  bottom: 22px;
  z-index: 90;
  display: flex;
  align-items: center;
  gap: .6rem;
  background: var(--coral);
  color: #fff;
  padding: .9rem 1.3rem;
  border-radius: var(--r-pill);
  box-shadow: var(--shadow-lg);
  font-weight: 700;
  font-size: .92rem;
  transition: transform .3s var(--ease);
}
.fab-call:hover{ transform: translateY(-3px); background: var(--coral-dark); }
.fab-call .icon{ width: 1.2rem; height: 1.2rem; }
.fab-call .pulse{
  position: absolute;
  inset: 0;
  border-radius: var(--r-pill);
  border: 2px solid var(--coral);
  animation: pulse 2.2s var(--ease) infinite;
}
@keyframes pulse{
  0%{ transform: scale(1); opacity: .7; }
  100%{ transform: scale(1.35); opacity: 0; }
}
@media (max-width: 640px){
  .fab-call span{ display: none; }
  .fab-call{ padding: .95rem; }
}

/* ---------- misc utility ---------- */
.text-center{ text-align: center; }
.mt-lg{ margin-top: 2.5rem; }