/* ============================================
   HABARI INSURANCE BROKERS LTD
   Royal Blue & White — clean, professional
   ============================================ */

:root {
  --blue:        #1a3fcc;
  --blue-dark:   #0f2a99;
  --blue-deeper: #0a1d6e;
  --blue-light:  #2a52e0;
  --blue-pale:   #e8eeff;
  --white:       #ffffff;
  --off-white:   #f4f7ff;
  --text-dark:   #0d1f4e;
  --text-mid:    #3a4f7a;
  --text-muted:  #7a8fb8;
  --border:      rgba(26,63,204,0.15);
  --border-dark: rgba(26,63,204,0.3);
  --font-display: 'Cormorant Garamond', Georgia, serif;
  --font-body:    'Montserrat', sans-serif;
  --transition:   0.3s ease;
  --shadow:       0 8px 40px rgba(26,63,204,0.12);
  --shadow-hover: 0 16px 48px rgba(26,63,204,0.22);
  --radius:       4px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { background: var(--white); color: var(--text-dark); font-family: var(--font-body); font-size: 16px; line-height: 1.7; overflow-x: hidden; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

.container { max-width: 1200px; margin: 0 auto; padding: 0 2rem; }
.section { padding: 6rem 0; }

.section-tag { display: inline-block; font-family: var(--font-body); font-size: 0.68rem; font-weight: 600; letter-spacing: 0.2em; text-transform: uppercase; color: var(--blue); border: 1px solid var(--border-dark); padding: 0.3rem 0.9rem; border-radius: 2px; margin-bottom: 1.2rem; background: var(--blue-pale); }
.section-header { text-align: center; margin-bottom: 4rem; }
.section-title { font-family: var(--font-display); font-size: clamp(2rem, 4vw, 3rem); font-weight: 300; line-height: 1.15; color: var(--text-dark); margin-bottom: 1rem; }
.section-title em { color: var(--blue); font-style: italic; }
.section-desc { font-size: 1rem; color: var(--text-muted); max-width: 560px; margin: 0 auto; }

.btn { display: inline-block; font-family: var(--font-body); font-size: 0.78rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; padding: 0.9rem 2.2rem; border-radius: var(--radius); transition: all var(--transition); cursor: pointer; border: none; }
.btn-gold { background: var(--white); color: var(--blue); }
.btn-gold:hover { background: var(--off-white); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,0.15); }
.btn-outline { background: transparent; color: var(--white); border: 2px solid rgba(255,255,255,0.6); }
.btn-outline:hover { border-color: var(--white); background: rgba(255,255,255,0.1); transform: translateY(-2px); }
.btn-full { width: 100%; text-align: center; }

/* NAV */
.navbar { position: fixed; top: 0; left: 0; right: 0; z-index: 1000; padding: 1rem 0; transition: all var(--transition); background: transparent; }
.navbar.scrolled { background: rgba(255,255,255,0.98); padding: 0.7rem 0; border-bottom: 1px solid var(--border); box-shadow: 0 2px 20px rgba(26,63,204,0.08); }
.navbar.scrolled .nav-links a { color: var(--text-mid); }
.navbar.scrolled .nav-links a:hover, .navbar.scrolled .nav-links a.active { color: var(--blue); }
.navbar.scrolled .nav-links a::after { background: var(--blue); }
.navbar.scrolled .nav-cta { color: var(--white) !important; background: var(--blue); border-color: var(--blue); }
.navbar.scrolled .logo-main { color: var(--blue); }
.navbar.scrolled .logo-sub { color: var(--text-muted); }
.navbar.scrolled .nav-toggle span { background: var(--text-dark); }

.nav-inner { max-width: 1200px; margin: 0 auto; padding: 0 2rem; display: flex; align-items: center; justify-content: space-between; }
.nav-logo { display: flex; flex-direction: row; align-items: center; gap: 0.75rem; }
.nav-logo-img { height: 44px; width: auto; object-fit: contain; }
.nav-logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.logo-main { font-family: var(--font-display); font-size: 1.5rem; font-weight: 600; letter-spacing: 0.06em; color: var(--white); transition: color var(--transition); }
.logo-sub { font-size: 0.58rem; letter-spacing: 0.15em; text-transform: uppercase; color: rgba(255,255,255,0.7); transition: color var(--transition); }
.nav-links { display: flex; align-items: center; gap: 2.5rem; }
.nav-links a { font-size: 0.72rem; font-weight: 500; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.85); transition: color var(--transition); position: relative; }
.nav-links a::after { content: ''; position: absolute; bottom: -4px; left: 0; width: 0; height: 2px; background: var(--white); transition: width var(--transition); }
.nav-links a:hover::after, .nav-links a.active::after { width: 100%; }
.nav-cta { color: var(--white) !important; background: rgba(255,255,255,0.15); border: 1px solid rgba(255,255,255,0.5); padding: 0.5rem 1.3rem; border-radius: var(--radius); }
.nav-cta:hover { background: var(--white); color: var(--blue) !important; }
.nav-toggle { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 4px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--white); transition: all var(--transition); }

/* HERO */
.hero { position: relative; min-height: 100vh; display: flex; align-items: center; overflow: hidden; }
.hero-bg { position: absolute; inset: 0; background: radial-gradient(ellipse at 75% 40%, rgba(42,82,224,0.8) 0%, transparent 55%), radial-gradient(ellipse at 10% 90%, rgba(10,29,110,0.9) 0%, transparent 50%), linear-gradient(135deg, #0a1d6e 0%, #1a3fcc 60%, #0f2a99 100%); }
.hero-bg::before { content: ''; position: absolute; inset: 0; background-image: repeating-linear-gradient(0deg, transparent, transparent 60px, rgba(255,255,255,0.03) 60px, rgba(255,255,255,0.03) 61px), repeating-linear-gradient(90deg, transparent, transparent 60px, rgba(255,255,255,0.03) 60px, rgba(255,255,255,0.03) 61px); }
.hero-overlay { position: absolute; inset: 0; background: linear-gradient(to right, rgba(10,29,110,0.8) 30%, rgba(10,29,110,0.2) 100%); }
.hero-content { position: relative; z-index: 2; padding: 8rem 2rem 4rem; max-width: 680px; margin-left: max(2rem, calc((100vw - 1200px)/2)); }
.hero-eyebrow { font-size: 0.68rem; font-weight: 600; letter-spacing: 0.25em; text-transform: uppercase; color: rgba(255,255,255,0.8); margin-bottom: 1.5rem; opacity: 0; animation: fadeUp 0.8s ease 0.2s forwards; display: flex; align-items: center; gap: 0.8rem; }
.hero-eyebrow::before { content: ''; display: inline-block; width: 32px; height: 2px; background: rgba(255,255,255,0.5); }
.hero-title { font-family: var(--font-display); font-size: clamp(3rem, 7vw, 5.5rem); font-weight: 300; line-height: 1.05; color: var(--white); margin-bottom: 1.5rem; opacity: 0; animation: fadeUp 0.8s ease 0.4s forwards; }
.hero-title em { font-style: italic; color: rgba(255,255,255,0.85); }
.hero-subtitle { font-size: 1.05rem; color: rgba(255,255,255,0.75); max-width: 500px; margin-bottom: 2.5rem; line-height: 1.8; opacity: 0; animation: fadeUp 0.8s ease 0.6s forwards; }
.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 4rem; opacity: 0; animation: fadeUp 0.8s ease 0.8s forwards; }
.hero-stats { display: flex; align-items: center; gap: 2.5rem; opacity: 0; animation: fadeUp 0.8s ease 1s forwards; padding-top: 2rem; border-top: 1px solid rgba(255,255,255,0.15); }
.stat { text-align: left; }
.stat-num { display: block; font-family: var(--font-display); font-size: 2.2rem; font-weight: 600; color: var(--white); line-height: 1; }
.stat-label { font-size: 0.62rem; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.6); }
.stat-divider { width: 1px; height: 40px; background: rgba(255,255,255,0.2); }
.hero-scroll-hint { position: absolute; bottom: 2.5rem; right: max(2rem, calc((100vw - 1200px)/2 + 2rem)); display: flex; flex-direction: column; align-items: center; gap: 0.5rem; opacity: 0; animation: fadeUp 0.8s ease 1.4s forwards; }
.hero-scroll-hint span { font-size: 0.6rem; letter-spacing: 0.2em; text-transform: uppercase; color: rgba(255,255,255,0.4); writing-mode: vertical-lr; }
.scroll-line { width: 1px; height: 50px; background: linear-gradient(to bottom, rgba(255,255,255,0.4), transparent); animation: scrollPulse 2s ease infinite; }

/* INTRO STRIP */
.intro-strip { background: var(--blue); padding: 3rem 0; }
.intro-text { font-family: var(--font-display); font-size: clamp(1.3rem, 2.5vw, 1.8rem); font-weight: 300; text-align: center; color: var(--white); max-width: 800px; margin: 0 auto; line-height: 1.6; }
.intro-text em { font-style: italic; }

/* SERVICES */
.services-overview { background: var(--off-white); }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.service-card { display: block; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 2.5rem 2rem; transition: all var(--transition); position: relative; overflow: hidden; }
.service-card::before { content: ''; position: absolute; top: 0; left: 0; width: 0; height: 3px; background: var(--blue); transition: width 0.4s ease; }
.service-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-hover); }
.service-card:hover::before { width: 100%; }
.service-icon { font-size: 2rem; margin-bottom: 1rem; display: block; }
.service-card h3 { font-family: var(--font-display); font-size: 1.3rem; font-weight: 500; color: var(--text-dark); margin-bottom: 0.6rem; }
.service-card p { font-size: 0.85rem; color: var(--text-muted); line-height: 1.7; margin-bottom: 1rem; }
.card-link { font-size: 0.72rem; font-weight: 600; letter-spacing: 0.08em; color: var(--blue); text-transform: uppercase; }
.service-card-cta { background: var(--blue-pale); }

/* ABOUT TEASER */
.about-teaser { background: var(--white); }
.about-teaser-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: center; }
.about-teaser-text .section-title { text-align: left; }
.about-teaser-text p { color: var(--text-mid); margin-bottom: 1.2rem; font-size: 0.95rem; line-height: 1.8; }
.about-teaser-text .btn-gold { background: var(--blue); color: var(--white); }
.about-teaser-text .btn-gold:hover { background: var(--blue-light); }
.about-teaser-visual { position: relative; height: 380px; }
.about-card { position: absolute; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 2rem; text-align: center; transition: transform var(--transition); box-shadow: var(--shadow); }
.about-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-hover); }
.about-card:nth-child(1) { top: 0; left: 0; width: 52%; }
.about-card:nth-child(2) { top: 30%; right: 0; width: 52%; }
.about-card:nth-child(3) { bottom: 0; left: 15%; width: 52%; }
.about-year { font-family: var(--font-display); font-size: 2.8rem; font-weight: 600; color: var(--blue); line-height: 1; margin-bottom: 0.3rem; }
.about-card-label { font-size: 0.7rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--text-muted); }

/* CTA BANNER */
.cta-banner { background: linear-gradient(135deg, var(--blue-deeper) 0%, var(--blue) 100%); padding: 5rem 0; text-align: center; position: relative; overflow: hidden; }
.cta-banner::before { content: ''; position: absolute; top: -80px; left: 50%; transform: translateX(-50%); width: 400px; height: 400px; background: radial-gradient(circle, rgba(255,255,255,0.06) 0%, transparent 70%); border-radius: 50%; }
.cta-banner h2 { font-family: var(--font-display); font-size: clamp(2rem, 4vw, 3rem); font-weight: 300; color: var(--white); margin-bottom: 1rem; }
.cta-banner p { color: rgba(255,255,255,0.75); margin-bottom: 2rem; font-size: 1rem; }

/* CONTACT STRIP */
.contact-strip { background: var(--off-white); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.contact-strip-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2rem; }
.contact-item { display: flex; gap: 1rem; align-items: flex-start; }
.contact-icon { font-size: 1.3rem; flex-shrink: 0; }
.contact-item strong { display: block; font-size: 0.68rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--blue); margin-bottom: 0.4rem; }
.contact-item p { font-size: 0.88rem; color: var(--text-mid); line-height: 1.6; }
.contact-item a { color: var(--text-mid); transition: color var(--transition); }
.contact-item a:hover { color: var(--blue); }

/* PAGE HERO */
.page-hero { background: linear-gradient(135deg, var(--blue-deeper) 0%, var(--blue) 100%); padding: 10rem 2rem 5rem; text-align: center; position: relative; overflow: hidden; }
.page-hero::before { content: ''; position: absolute; inset: 0; background-image: repeating-linear-gradient(0deg, transparent, transparent 60px, rgba(255,255,255,0.03) 60px, rgba(255,255,255,0.03) 61px), repeating-linear-gradient(90deg, transparent, transparent 60px, rgba(255,255,255,0.03) 60px, rgba(255,255,255,0.03) 61px); }
.page-hero-content { position: relative; z-index: 1; }
.page-hero .section-tag { background: rgba(255,255,255,0.15); border-color: rgba(255,255,255,0.3); color: var(--white); }
.page-hero h1 { font-family: var(--font-display); font-size: clamp(2.5rem, 6vw, 4.5rem); font-weight: 300; color: var(--white); margin: 0.8rem 0; line-height: 1.1; }
.page-hero h1 em { font-style: italic; color: rgba(255,255,255,0.85); }
.page-hero p { color: rgba(255,255,255,0.75); font-size: 1rem; max-width: 500px; margin: 0 auto; }

/* ABOUT PAGE */
.story-section { background: var(--white); }
.story-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: start; }
.story-timeline { position: relative; padding-left: 2rem; }
.story-timeline::before { content: ''; position: absolute; left: 0; top: 0; bottom: 0; width: 2px; background: linear-gradient(to bottom, var(--blue), var(--blue-pale)); }
.timeline-item { position: relative; margin-bottom: 3rem; padding-left: 1.5rem; }
.timeline-item::before { content: ''; position: absolute; left: -2.45rem; top: 0.5rem; width: 10px; height: 10px; border-radius: 50%; background: var(--blue); border: 2px solid var(--white); box-shadow: 0 0 0 3px var(--blue-pale); }
.timeline-year { font-family: var(--font-display); font-size: 2.2rem; font-weight: 600; color: var(--blue); line-height: 1; margin-bottom: 0.4rem; }
.timeline-item h3 { font-family: var(--font-display); font-size: 1.2rem; font-weight: 500; color: var(--text-dark); margin-bottom: 0.5rem; }
.timeline-item p { font-size: 0.88rem; color: var(--text-muted); line-height: 1.7; }
.story-body { padding-top: 1rem; }
.story-lead { font-family: var(--font-display); font-size: 1.5rem; font-weight: 300; color: var(--text-dark); line-height: 1.5; margin-bottom: 1.5rem; }
.story-body p { color: var(--text-mid); font-size: 0.95rem; margin-bottom: 1rem; line-height: 1.8; }

.vm-section { background: var(--off-white); }
.vm-grid { display: flex; align-items: stretch; border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; }
.vm-card { flex: 1; padding: 4rem 3rem; text-align: center; background: var(--white); }
.vm-card:first-child { background: var(--blue); }
.vm-card:first-child h2, .vm-card:first-child p { color: var(--white); }
.vm-card:first-child p { opacity: 0.85; }
.vm-divider { width: 1px; background: var(--border); flex-shrink: 0; }
.vm-icon { font-size: 2.5rem; margin-bottom: 1.2rem; }
.vm-card h2 { font-family: var(--font-display); font-size: 2rem; font-weight: 300; color: var(--blue); margin-bottom: 1rem; }
.vm-card p { color: var(--text-mid); font-size: 0.95rem; line-height: 1.8; max-width: 400px; margin: 0 auto; }

.values-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2rem; }
.value-item { padding: 2.5rem 1.5rem; border: 1px solid var(--border); border-radius: var(--radius); background: var(--white); transition: all var(--transition); position: relative; overflow: hidden; }
.value-item::after { content: ''; position: absolute; bottom: 0; left: 0; width: 0; height: 3px; background: var(--blue); transition: width 0.4s ease; }
.value-item:hover { box-shadow: var(--shadow-hover); transform: translateY(-4px); }
.value-item:hover::after { width: 100%; }
.value-num { font-family: var(--font-display); font-size: 3rem; font-weight: 300; color: var(--blue-pale); line-height: 1; display: block; margin-bottom: 0.8rem; }
.value-item h3 { font-family: var(--font-display); font-size: 1.3rem; color: var(--text-dark); margin-bottom: 0.6rem; }
.value-item p { font-size: 0.85rem; color: var(--text-muted); line-height: 1.7; }

/* SERVICES PAGE */
.products-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
.product-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 2.5rem 2rem; transition: all var(--transition); position: relative; overflow: hidden; }
.product-card::before { content: ''; position: absolute; top: 0; left: 0; width: 0; height: 3px; background: var(--blue); transition: width 0.4s ease; }
.product-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-hover); }
.product-card:hover::before { width: 100%; }
.product-icon { font-size: 2.2rem; margin-bottom: 1rem; }
.product-card h3 { font-family: var(--font-display); font-size: 1.35rem; font-weight: 500; color: var(--text-dark); margin-bottom: 0.7rem; }
.product-card p { font-size: 0.88rem; color: var(--text-muted); line-height: 1.7; margin-bottom: 1rem; }
.product-list { margin-top: 1rem; }
.product-list li { font-size: 0.8rem; color: var(--text-mid); padding: 0.35rem 0 0.35rem 1.2rem; border-bottom: 1px solid var(--border); position: relative; }
.product-list li::before { content: '→'; position: absolute; left: 0; color: var(--blue); font-size: 0.7rem; }
.product-card-life { background: var(--blue-pale); }
.product-card-cta { background: var(--blue); border-color: var(--blue); text-align: center; }
.product-card-cta h3 { color: var(--white); }
.product-card-cta p { color: rgba(255,255,255,0.8); text-align: left; }
.life-section { background: var(--off-white); }

/* CONTACT PAGE */
.contact-main { background: var(--white); }
.contact-main-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 5rem; align-items: start; }
.contact-info h2, .contact-form-wrap h2 { font-family: var(--font-display); font-size: 2.2rem; font-weight: 300; color: var(--text-dark); margin-bottom: 2.5rem; }
.contact-info h2 em, .contact-form-wrap h2 em { color: var(--blue); font-style: italic; }
.contact-detail { display: flex; gap: 1.2rem; align-items: flex-start; margin-bottom: 2rem; padding-bottom: 2rem; border-bottom: 1px solid var(--border); }
.contact-detail:last-child { border-bottom: none; }
.contact-detail .contact-icon { font-size: 1.5rem; flex-shrink: 0; }
.contact-detail strong { display: block; font-size: 0.68rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--blue); margin-bottom: 0.5rem; }
.contact-detail p { font-size: 0.9rem; color: var(--text-mid); line-height: 1.7; }
.contact-detail a { color: var(--text-mid); transition: color var(--transition); }
.contact-detail a:hover { color: var(--blue); }
.map-link { display: inline-block; margin-top: 0.4rem; font-size: 0.75rem; color: var(--blue) !important; font-weight: 600; }
.form-intro { color: var(--text-muted); font-size: 0.9rem; margin-bottom: 2rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.2rem; }
.form-group { margin-bottom: 1.4rem; }
.form-group label { display: block; font-size: 0.68rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--text-muted); margin-bottom: 0.5rem; }
.form-group input, .form-group select, .form-group textarea { width: 100%; background: var(--off-white); border: 1px solid var(--border); border-radius: var(--radius); padding: 0.85rem 1rem; color: var(--text-dark); font-family: var(--font-body); font-size: 0.9rem; transition: border-color var(--transition); outline: none; appearance: none; }
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--blue); background: var(--white); box-shadow: 0 0 0 3px rgba(26,63,204,0.08); }
.form-group textarea { resize: vertical; min-height: 120px; }
.form-note { font-size: 0.72rem; color: var(--text-muted); margin-top: 1rem; text-align: center; }
.form-success { background: var(--blue-pale); border: 1px solid var(--border-dark); border-radius: var(--radius); padding: 1rem; text-align: center; color: var(--blue); font-size: 0.9rem; margin-top: 1rem; }
.map-section { height: 420px; }
.map-section iframe { display: block; }

/* FOOTER */
.footer { background: var(--blue-deeper); border-top: 3px solid var(--blue); padding: 4rem 0 0; }
.footer-inner { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 4rem; padding-bottom: 3rem; border-bottom: 1px solid rgba(255,255,255,0.1); }
.footer-logo-img { height: 64px; width: auto; object-fit: contain; margin-bottom: 1rem; display: block; }
.footer-brand .logo-main { font-size: 1.8rem; color: var(--white); }
.footer-brand .logo-sub { color: rgba(255,255,255,0.5); }
.footer-tagline { font-size: 0.85rem; color: rgba(255,255,255,0.5); margin-top: 0.8rem; font-style: italic; font-family: var(--font-display); }
.footer-links h4 { font-size: 0.68rem; letter-spacing: 0.15em; text-transform: uppercase; color: rgba(255,255,255,0.4); margin-bottom: 1.2rem; }
.footer-links ul li { margin-bottom: 0.7rem; }
.footer-links a { font-size: 0.85rem; color: rgba(255,255,255,0.6); transition: color var(--transition); }
.footer-links a:hover { color: var(--white); }
.footer-bottom { text-align: center; padding: 1.5rem 0; font-size: 0.75rem; color: rgba(255,255,255,0.3); }

/* ANIMATIONS */
@keyframes fadeUp { from { opacity: 0; transform: translateY(30px); } to { opacity: 1; transform: translateY(0); } }
@keyframes scrollPulse { 0%, 100% { opacity: 1; } 50% { opacity: 0.3; } }
.fade-in { opacity: 0; transform: translateY(20px); transition: opacity 0.7s ease, transform 0.7s ease; }
.fade-in.visible { opacity: 1; transform: translateY(0); }

/* RESPONSIVE */
@media (max-width: 1024px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .about-teaser-inner { grid-template-columns: 1fr; }
  .about-teaser-visual { display: none; }
  .contact-strip-grid { grid-template-columns: repeat(2, 1fr); }
  .story-inner { grid-template-columns: 1fr; }
  .values-grid { grid-template-columns: repeat(2, 1fr); }
  .products-grid { grid-template-columns: repeat(2, 1fr); }
  .contact-main-grid { grid-template-columns: 1fr; }
  .vm-grid { flex-direction: column; }
  .vm-divider { width: 100%; height: 1px; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 768px) {
  .section { padding: 4rem 0; }
  .services-grid, .products-grid, .values-grid, .contact-strip-grid { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .hero-stats { flex-wrap: wrap; gap: 1.5rem; }
  .stat-divider { display: none; }
  .nav-links { display: none; position: fixed; top: 0; right: 0; width: 75vw; max-width: 320px; height: 100vh; background: var(--blue-deeper); flex-direction: column; justify-content: center; align-items: flex-start; padding: 3rem 2.5rem; gap: 2rem; border-left: 1px solid rgba(255,255,255,0.1); z-index: 999; }
  .nav-links.open { display: flex; }
  .nav-links a { font-size: 1rem; color: var(--white); }
  .nav-toggle { display: flex; z-index: 1001; }
}

/* ─── HERO IMAGE PANEL ─── */
.hero-image-panel {
  position: absolute;
  top: 0; right: 0;
  width: 50%;
  height: 100%;
  z-index: 1;
}
.hero-photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  display: block;
}
.hero-image-fade {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to right,
    rgba(10,29,110,1) 0%,
    rgba(10,29,110,0.7) 30%,
    rgba(10,29,110,0.3) 60%,
    rgba(10,29,110,0.5) 100%
  );
}

/* ─── OFFICE PHOTO ─── */
.about-teaser-visual {
  position: relative;
}
.office-photo-wrap {
  position: relative;
  border-radius: 8px;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(26,63,204,0.2);
}
.office-photo {
  width: 100%;
  height: 420px;
  object-fit: cover;
  object-position: center top;
  display: block;
  filter: brightness(0.92) saturate(0.85);
  transition: filter 0.4s ease;
}
.office-photo-wrap:hover .office-photo {
  filter: brightness(1) saturate(1);
}
.office-photo-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to bottom,
    rgba(10,29,110,0.1) 0%,
    rgba(10,29,110,0.0) 50%,
    rgba(10,29,110,0.5) 100%
  );
}
.office-badge {
  position: absolute;
  bottom: 1.5rem;
  left: 1.5rem;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(8px);
  border-radius: 6px;
  padding: 1rem 1.5rem;
  text-align: center;
  box-shadow: 0 4px 20px rgba(0,0,0,0.15);
}
.office-badge-year {
  display: block;
  font-size: 0.62rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 0.1rem;
}
.office-badge-num {
  display: block;
  font-family: var(--font-display);
  font-size: 2.2rem;
  font-weight: 600;
  color: var(--blue);
  line-height: 1;
}
.office-badge-label {
  display: block;
  font-size: 0.65rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-top: 0.2rem;
}

/* Fix about teaser layout with image on LEFT, text on RIGHT */
.about-teaser-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5rem;
  align-items: center;
}
.about-teaser-text .section-title { text-align: left; }

@media (max-width: 1024px) {
  .hero-image-panel { display: none; }
  .about-teaser-inner { grid-template-columns: 1fr; }
  .office-photo { height: 300px; }
}

/* ─── CATCHPHRASE SECTION ─── */
.catchphrase-section {
  position: relative;
  background: var(--blue-deeper);
  overflow: hidden;
  padding: 5rem 0;
}
.catchphrase-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 0% 50%, rgba(26,63,204,0.6) 0%, transparent 60%),
    radial-gradient(ellipse at 100% 50%, rgba(10,29,110,0.8) 0%, transparent 60%),
    repeating-linear-gradient(0deg, transparent, transparent 60px, rgba(255,255,255,0.02) 60px, rgba(255,255,255,0.02) 61px),
    repeating-linear-gradient(90deg, transparent, transparent 60px, rgba(255,255,255,0.02) 60px, rgba(255,255,255,0.02) 61px);
}
.catchphrase-inner {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 200px 1fr;
  gap: 4rem;
  align-items: center;
}
.catchphrase-logo-wrap {
  display: flex;
  justify-content: center;
  align-items: center;
}
.catchphrase-logo-img {
  width: 160px;
  height: auto;
  object-fit: contain;
  opacity: 0.95;
  filter: drop-shadow(0 4px 24px rgba(255,255,255,0.15));
  animation: floatLogo 4s ease-in-out infinite;
}
@keyframes floatLogo {
  0%, 100% { transform: translateY(0px); }
  50%       { transform: translateY(-10px); }
}
.catchphrase-eyebrow {
  font-size: 0.68rem;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.5);
  margin-bottom: 1.2rem;
}
.catchphrase-headline {
  font-family: var(--font-display);
  font-weight: 300;
  line-height: 1.05;
  margin-bottom: 1.2rem;
  display: flex;
  flex-direction: column;
}
.cp-line {
  display: block;
  color: var(--white);
  font-size: clamp(2.5rem, 5vw, 4rem);
  opacity: 0;
  transform: translateX(-30px);
  animation: slideInLeft 0.7s ease forwards;
}
.cp-line-1 { animation-delay: 0.1s; }
.cp-line-2 { animation-delay: 0.35s; font-size: clamp(2.8rem, 5.5vw, 4.5rem); }
.cp-line em { font-style: italic; color: rgba(255,255,255,0.85); }
@keyframes slideInLeft {
  to { opacity: 1; transform: translateX(0); }
}
.catchphrase-sub {
  font-size: 1rem;
  color: rgba(255,255,255,0.65);
  max-width: 520px;
  line-height: 1.8;
  margin-bottom: 2rem;
}
.catchphrase-pillars {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  margin-bottom: 2.5rem;
  flex-wrap: wrap;
}
.cp-pillar {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.78rem;
  font-weight: 500;
  letter-spacing: 0.05em;
  color: rgba(255,255,255,0.8);
}
.cp-pillar-icon { font-size: 1.1rem; }
.cp-pillar-divider {
  width: 1px;
  height: 20px;
  background: rgba(255,255,255,0.2);
}
.btn-cp {
  background: var(--white);
  color: var(--blue);
  font-size: 0.78rem;
  font-weight: 700;
  padding: 0.9rem 2.2rem;
  border-radius: var(--radius);
  transition: all var(--transition);
  display: inline-block;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}
.btn-cp:hover {
  background: var(--blue-pale);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(255,255,255,0.15);
}

/* ─── OFFICE PHOTO — smaller & sharper ─── */
.about-teaser-visual {
  position: relative;
}
.office-photo-wrap {
  position: relative;
  border-radius: 8px;
  overflow: hidden;
  box-shadow: 0 12px 40px rgba(26,63,204,0.18);
  max-width: 340px;
  margin: 0 auto;
}
.office-photo {
  width: 100%;
  height: 260px;
  object-fit: cover;
  object-position: center top;
  display: block;
  filter: brightness(0.95) saturate(0.9) contrast(1.05);
  transition: filter 0.4s ease, transform 0.4s ease;
}
.office-photo-wrap:hover .office-photo {
  filter: brightness(1.02) saturate(1) contrast(1);
  transform: scale(1.02);
}
.office-photo-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to bottom,
    rgba(10,29,110,0.05) 0%,
    rgba(10,29,110,0.0) 40%,
    rgba(10,29,110,0.55) 100%
  );
  pointer-events: none;
}
.office-badge {
  position: absolute;
  bottom: 1rem;
  left: 1rem;
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(8px);
  border-radius: 6px;
  padding: 0.7rem 1.1rem;
  text-align: center;
  box-shadow: 0 4px 16px rgba(0,0,0,0.12);
}
.office-badge-year { display: block; font-size: 0.58rem; letter-spacing: 0.15em; text-transform: uppercase; color: var(--text-muted); }
.office-badge-num { display: block; font-family: var(--font-display); font-size: 1.8rem; font-weight: 600; color: var(--blue); line-height: 1; }
.office-badge-label { display: block; font-size: 0.58rem; letter-spacing: 0.1em; text-transform: uppercase; color: var(--text-muted); margin-top: 0.1rem; }

/* ─── MILESTONE CARDS ─── */
.milestone-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0.75rem;
  margin-top: 1rem;
  max-width: 340px;
  margin-left: auto;
  margin-right: auto;
}
.milestone-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1rem 0.75rem;
  text-align: center;
  box-shadow: 0 2px 12px rgba(26,63,204,0.08);
  transition: all var(--transition);
}
.milestone-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 6px 20px rgba(26,63,204,0.15);
  border-color: var(--blue);
}
.milestone-card-accent {
  background: var(--blue);
  border-color: var(--blue);
}
.milestone-card-accent .milestone-year,
.milestone-card-accent .milestone-label { color: var(--white); }
.milestone-year {
  display: block;
  font-family: var(--font-display);
  font-size: 1.5rem;
  font-weight: 600;
  color: var(--blue);
  line-height: 1;
  margin-bottom: 0.25rem;
}
.milestone-label {
  display: block;
  font-size: 0.6rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
  line-height: 1.3;
}

@media (max-width: 1024px) {
  .catchphrase-inner { grid-template-columns: 1fr; text-align: center; }
  .catchphrase-logo-wrap { display: none; }
  .catchphrase-pillars { justify-content: center; }
  .about-teaser-visual { display: block; }
  .office-photo-wrap { max-width: 100%; }
  .milestone-cards { max-width: 100%; }
}

/* ─── SERVICE IMAGE CARDS (Home page) ─── */
.service-img-wrap {
  margin-bottom: 1.2rem;
}
.service-img {
  width: 100%;
  height: 110px;
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
  transition: transform 0.3s ease;
}
.service-img svg {
  width: 70px;
  height: 55px;
  position: relative;
  z-index: 1;
  transition: transform 0.3s ease;
}
.service-card:hover .service-img svg { transform: scale(1.1); }
.service-img--motor      { background: linear-gradient(135deg, #1a3fcc 0%, #0a1d6e 100%); }
.service-img--home       { background: linear-gradient(135deg, #2a52e0 0%, #1a3fcc 100%); }
.service-img--health     { background: linear-gradient(135deg, #0f2a99 0%, #1a3fcc 100%); }
.service-img--marine     { background: linear-gradient(135deg, #0a1d6e 0%, #2a52e0 100%); }
.service-img--construction { background: linear-gradient(135deg, #1a3fcc 0%, #3a64ec 100%); }
.service-img--money      { background: linear-gradient(135deg, #0f2a99 0%, #2a52e0 100%); }
.service-img--computer   { background: linear-gradient(135deg, #2a52e0 0%, #0a1d6e 100%); }
.service-img--bonds      { background: linear-gradient(135deg, #1a3fcc 0%, #0f2a99 100%); }
.service-img--terrorism  { background: linear-gradient(135deg, #0a1d6e 0%, #1a3fcc 100%); }
.service-img--liability  { background: linear-gradient(135deg, #3a64ec 0%, #1a3fcc 100%); }
.service-img--grouplife  { background: linear-gradient(135deg, #0f2a99 0%, #3a64ec 100%); }
.service-img--indivlife  { background: linear-gradient(135deg, #1a3fcc 0%, #2a52e0 100%); }
.service-img--more       { background: linear-gradient(135deg, #0a1d6e 0%, #1a3fcc 100%); }
.service-img--cta        { background: linear-gradient(135deg, #0a1d6e 0%, #0f2a99 100%); }

/* ─── PRODUCT IMAGE CARDS (Services page) ─── */
.product-img-wrap { margin-bottom: 1.4rem; }
.product-img {
  width: 100%;
  height: 130px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
  transition: transform 0.3s ease;
}
.product-img svg {
  width: 80px;
  height: 60px;
  position: relative;
  z-index: 1;
  transition: transform 0.3s ease;
  filter: drop-shadow(0 2px 8px rgba(0,0,0,0.2));
}
.product-card:hover .product-img { transform: scale(1.02); }
.product-card:hover .product-img svg { transform: scale(1.08); }
.product-img--motor      { background: linear-gradient(135deg, #1a3fcc 0%, #0a1d6e 100%); }
.product-img--home       { background: linear-gradient(135deg, #2a52e0 0%, #1a3fcc 100%); }
.product-img--marine     { background: linear-gradient(135deg, #0a1d6e 0%, #2a52e0 100%); }
.product-img--liability  { background: linear-gradient(135deg, #3a64ec 0%, #1a3fcc 100%); }
.product-img--construction { background: linear-gradient(135deg, #1a3fcc 0%, #3a64ec 100%); }
.product-img--money      { background: linear-gradient(135deg, #0f2a99 0%, #2a52e0 100%); }
.product-img--computer   { background: linear-gradient(135deg, #2a52e0 0%, #0a1d6e 100%); }
.product-img--bonds      { background: linear-gradient(135deg, #1a3fcc 0%, #0f2a99 100%); }
.product-img--terrorism  { background: linear-gradient(135deg, #0a1d6e 0%, #1a3fcc 100%); }
.product-img--health     { background: linear-gradient(135deg, #0f2a99 0%, #3a64ec 100%); }
.product-img--grouplife  { background: linear-gradient(135deg, #0f2a99 0%, #3a64ec 100%); }
.product-img--indivlife  { background: linear-gradient(135deg, #1a3fcc 0%, #2a52e0 100%); }
.product-img--cta        { background: linear-gradient(135deg, #0a1d6e 0%, #0f2a99 100%); }


/* ─── HERO GRAPHIC ─── */
.hero-graphic {
  position: absolute;
  right: 5%;
  top: 68px;
  width: 420px;
  height: 420px;
  z-index: 1;
  opacity: 0;
  animation: fadeUp 1.2s ease 1s forwards;
}
.hero-svg {
  width: 100%;
  height: 100%;
  animation: rotateSlow 40s linear infinite;
}
@keyframes rotateSlow {
  from { transform: rotate(0deg); }
  to   { transform: rotate(360deg); }
}
@media (max-width: 1024px) {
  .hero-graphic { display: none; }
}

/* ─── LEGAL PAGES ─── */
.page-hero--short { min-height: 280px; }
.legal-content {
  max-width: 780px;
  margin: 0 auto;
  padding-bottom: 4rem;
}
.legal-content h2 {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 600;
  color: var(--blue);
  margin: 2.5rem 0 0.75rem;
}
.legal-content p, .legal-content li {
  font-size: 0.92rem;
  line-height: 1.85;
  color: var(--text-body);
}
.legal-content ul {
  padding-left: 1.5rem;
  margin: 0.75rem 0 1rem;
}
.legal-content li { margin-bottom: 0.4rem; }
.legal-updated {
  font-size: 0.78rem;
  color: var(--text-muted);
  letter-spacing: 0.05em;
  margin-bottom: 2rem;
}
.legal-contact {
  background: var(--off-white);
  border-left: 3px solid var(--blue);
  border-radius: 0 var(--radius) var(--radius) 0;
  padding: 1.25rem 1.5rem;
  margin-top: 1rem;
}
.legal-contact p { margin: 0; }
.legal-contact a { color: var(--blue); }
.product-img--pension { background: linear-gradient(135deg, #0f2a99 0%, #2a52e0 100%); }