/* =============================================
   HamroBeema - Main Stylesheet
   Nepal Insurance Marketplace
   Full Mobile-First Responsive Design
   ============================================= */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&family=Mukta:wght@300;400;500;600;700&display=swap');

/* ---- CSS Variables ---- */
:root {
  --primary: #1a3a6b;
  --primary-light: #2457a4;
  --primary-dark: #0f2548;
  --accent: #e85d26;
  --accent-light: #f5763e;
  --accent-dark: #c44b18;
  --success: #0e9f6e;
  --warning: #c27803;
  --danger: #e02424;
  --info: #1c64f2;

  --bg: #f8f9fc;
  --bg-white: #ffffff;
  --bg-card: #ffffff;
  --border: #e5e7eb;
  --border-light: #f3f4f6;

  --text-primary: #111827;
  --text-secondary: #374151;
  --text-muted: #6b7280;
  --text-light: #9ca3af;

  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
  --shadow: 0 4px 16px rgba(0,0,0,0.08);
  --shadow-md: 0 8px 32px rgba(0,0,0,0.10);
  --shadow-lg: 0 16px 48px rgba(0,0,0,0.14);

  --radius-sm: 8px;
  --radius: 12px;
  --radius-lg: 20px;
  --radius-xl: 32px;

  --font-en: 'Inter', sans-serif;
  --font-np: 'Mukta', 'Inter', sans-serif;

  --transition: all 0.22s ease;
  --transition-slow: all 0.38s ease;

  --compliance-height: 32px;
  --navbar-height: 64px;
  --nav-height: 96px; /* compliance-bar + navbar */
  --sidebar-width: 260px;
}

/* ---- Reset ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-en);
  background: var(--bg);
  color: var(--text-primary);
  line-height: 1.6;
  min-height: 100vh;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
/* 
  NAV OFFSET SYSTEM:
  - .has-hero: page has a full hero that manages its own padding-top
  - .has-plain-top: page content starts directly under nav, needs offset
  - dashboard-layout: handles its own padding-top via padding-top: var(--nav-height)
  - auth pages: full-screen, no navbar injected
*/
body.has-plain-top { padding-top: var(--nav-height); }
body.has-hero { padding-top: 0; }
body.lang-np { font-family: var(--font-np); }
body.menu-open { overflow: hidden; }
a { color: inherit; text-decoration: none; transition: var(--transition); }
img { max-width: 100%; display: block; }
button { cursor: pointer; font-family: inherit; border: none; outline: none; }
input, select, textarea { font-family: inherit; }
ul { list-style: none; }

/* ---- Typography ---- */
h1, h2, h3, h4, h5, h6 { font-weight: 700; line-height: 1.25; color: var(--text-primary); }
h1 { font-size: clamp(1.75rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.35rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.1rem, 2.5vw, 1.75rem); }
h4 { font-size: clamp(1rem, 2vw, 1.2rem); }
p { color: var(--text-secondary); line-height: 1.7; }

/* ---- Layout ---- */
.container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 20px; }
.section { padding: 72px 0; }
.section-sm { padding: 44px 0; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.flex-wrap { flex-wrap: wrap; }
.gap-8 { gap: 8px; } .gap-12 { gap: 12px; } .gap-16 { gap: 16px; } .gap-24 { gap: 24px; }

/* ==============================================
   NAVBAR — fully responsive
   ============================================== */
.navbar {
  position: fixed; top: var(--compliance-height); left: 0; right: 0; z-index: 1000;
  height: var(--navbar-height);
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.3s ease;
}
.navbar.scrolled { box-shadow: var(--shadow); }
.navbar .container {
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}
.navbar-logo {
  display: flex; align-items: center; gap: 10px;
  text-decoration: none; flex-shrink: 0;
}
.logo-icon {
  width: 36px; height: 36px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: 9px;
  display: flex; align-items: center; justify-content: center;
  color: white; font-size: 17px; font-weight: 800; flex-shrink: 0;
}
.logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.logo-text .brand { font-size: 16px; font-weight: 800; color: var(--primary); }
.logo-text .tagline { font-size: 9.5px; color: var(--text-muted); font-weight: 400; letter-spacing: 0.4px; }

/* Desktop nav links */
.navbar-nav {
  display: flex; align-items: center; gap: 2px;
  flex: 1; justify-content: center;
}
.nav-link {
  padding: 7px 12px;
  border-radius: var(--radius-sm);
  font-size: 14px; font-weight: 500;
  color: var(--text-secondary);
  transition: var(--transition);
  white-space: nowrap;
}
.nav-link:hover, .nav-link.active { color: var(--primary); background: rgba(26,58,107,0.06); }

/* Desktop navbar actions */
.navbar-actions { display: flex; align-items: center; gap: 8px; flex-shrink: 0; }
.lang-switcher {
  display: flex; align-items: center; gap: 5px;
  padding: 5px 10px;
  border: 1.5px solid var(--border); border-radius: 20px;
  font-size: 12px; font-weight: 600; cursor: pointer;
  background: transparent; transition: var(--transition); color: var(--text-secondary);
}
.lang-switcher:hover { border-color: var(--primary); color: var(--primary); }
.lang-switcher .flag { font-size: 13px; }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column; justify-content: center; gap: 5px;
  cursor: pointer; padding: 6px; background: none;
  border: none; border-radius: 8px;
  width: 38px; height: 38px; flex-shrink: 0;
}
.hamburger span {
  width: 22px; height: 2px;
  background: var(--text-primary); border-radius: 2px;
  transition: var(--transition); display: block;
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile Menu Overlay */
.mobile-overlay {
  position: fixed; inset: 0; z-index: 998;
  background: rgba(0,0,0,0.5);
  backdrop-filter: blur(2px);
  opacity: 0; visibility: hidden;
  transition: opacity 0.3s ease, visibility 0.3s ease;
}
.mobile-overlay.open { opacity: 1; visibility: visible; }

/* Mobile slide-in drawer */
.mobile-menu {
  position: fixed; top: 0; right: 0; bottom: 0; z-index: 999;
  width: min(300px, 85vw);
  background: white;
  padding: 0;
  transform: translateX(100%);
  transition: transform 0.35s cubic-bezier(0.25, 0.46, 0.45, 0.94);
  overflow-y: auto;
  display: flex; flex-direction: column;
  box-shadow: var(--shadow-lg);
}
.mobile-menu.open { transform: translateX(0); }
.mobile-menu-header {
  display: flex; align-items: center; justify-content: space-between;
  padding: 16px 20px;
  border-bottom: 1px solid var(--border);
  background: var(--primary);
  flex-shrink: 0;
}
.mobile-menu-header .logo-text .brand { color: white; }
.mobile-menu-header .logo-text .tagline { color: rgba(255,255,255,0.7); }
.mobile-close-btn {
  width: 34px; height: 34px;
  border-radius: 8px; background: rgba(255,255,255,0.15);
  border: none; color: white; font-size: 18px;
  display: flex; align-items: center; justify-content: center;
  cursor: pointer; flex-shrink: 0;
}
.mobile-menu-body { padding: 12px 0; flex: 1; }
.mobile-nav-item {
  display: flex; align-items: center; gap: 12px;
  padding: 13px 20px;
  font-size: 15px; font-weight: 500;
  color: var(--text-secondary);
  border-bottom: 1px solid var(--border-light);
  transition: var(--transition);
}
.mobile-nav-item:hover { background: var(--bg); color: var(--primary); }
.mobile-nav-item.active { color: var(--primary); background: rgba(26,58,107,0.05); font-weight: 600; border-left: 3px solid var(--primary); }
.mobile-nav-item .nav-icon { font-size: 18px; width: 24px; text-align: center; flex-shrink: 0; }
.mobile-menu-footer {
  padding: 16px 20px;
  border-top: 1px solid var(--border);
  display: flex; flex-direction: column; gap: 10px;
  flex-shrink: 0;
}

/* ==============================================
   COMPLIANCE BAR
   ============================================== */
.compliance-bar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1001;
  height: var(--compliance-height);
  background: linear-gradient(90deg, var(--primary-dark), var(--primary));
  color: white; padding: 6px 0;
  font-size: 11px; text-align: center;
  overflow: hidden;
}
.compliance-bar span { opacity: 0.9; white-space: nowrap; }

/* ==============================================
   HERO SECTION
   ============================================== */
.hero {
  padding-top: calc(var(--nav-height) + 44px); /* nav-height already includes compliance bar */
  padding-bottom: 60px;
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 55%, var(--primary-light) 100%);
  position: relative; overflow: hidden;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}
.hero-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; position: relative; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.22);
  border-radius: 20px; padding: 6px 14px;
  color: white; font-size: 12px; font-weight: 600;
  letter-spacing: 0.4px; margin-bottom: 18px;
}
.hero-badge .dot { width: 6px; height: 6px; background: #4ade80; border-radius: 50%; flex-shrink: 0; }
.hero h1 { color: white; margin-bottom: 14px; font-weight: 800; }
.hero .hero-sub { color: rgba(255,255,255,0.82); font-size: 1.05rem; margin-bottom: 28px; max-width: 500px; }
.trust-logos { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 10px; }
.trust-logo-item {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.15);
  padding: 5px 11px; border-radius: 6px;
  font-size: 11px; color: rgba(255,255,255,0.85); font-weight: 600;
}
.hero-stats { display: flex; gap: 28px; margin-top: 36px; flex-wrap: wrap; }
.hero-stat { color: white; }
.hero-stat .stat-value { font-size: 1.5rem; font-weight: 800; display: block; }
.hero-stat .stat-label { font-size: 11.5px; color: rgba(255,255,255,0.7); }

/* ==============================================
   SEARCH CARD
   ============================================== */
.search-card {
  background: white; border-radius: var(--radius-lg);
  padding: 24px; box-shadow: var(--shadow-lg);
}
.search-card h3 { font-size: 17px; margin-bottom: 18px; color: var(--primary); }
.insurance-tabs { display: grid; grid-template-columns: repeat(4, 1fr); gap: 7px; margin-bottom: 20px; }
.ins-tab {
  padding: 9px 6px;
  border: 1.5px solid var(--border); border-radius: var(--radius-sm);
  background: transparent; font-size: 11px; font-weight: 600;
  color: var(--text-muted); cursor: pointer; transition: var(--transition);
  display: flex; flex-direction: column; align-items: center; gap: 3px;
}
.ins-tab .tab-icon { font-size: 18px; }
.ins-tab:hover, .ins-tab.active { border-color: var(--primary); color: var(--primary); background: rgba(26,58,107,0.05); }
.form-group { margin-bottom: 14px; }
.form-group label { display: block; font-size: 11.5px; font-weight: 600; color: var(--text-muted); margin-bottom: 5px; text-transform: uppercase; letter-spacing: 0.4px; }
.form-control {
  width: 100%; padding: 11px 13px;
  border: 1.5px solid var(--border); border-radius: var(--radius-sm);
  font-size: 14px; color: var(--text-primary);
  background: var(--bg); transition: var(--transition);
}
.form-control:focus { border-color: var(--primary); outline: none; background: white; box-shadow: 0 0 0 3px rgba(26,58,107,0.08); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 11px; }

/* ==============================================
   BUTTONS
   ============================================== */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 7px;
  padding: 11px 22px; border-radius: var(--radius-sm);
  font-size: 14px; font-weight: 600; transition: var(--transition);
  border: 2px solid transparent; cursor: pointer; white-space: nowrap;
  -webkit-tap-highlight-color: transparent;
}
.btn-primary { background: var(--accent); color: white; border-color: var(--accent); }
.btn-primary:hover { background: var(--accent-dark); border-color: var(--accent-dark); transform: translateY(-1px); box-shadow: 0 4px 12px rgba(232,93,38,0.3); }
.btn-secondary { background: white; color: var(--primary); border-color: var(--primary); }
.btn-secondary:hover { background: var(--primary); color: white; }
.btn-outline { background: transparent; color: white; border-color: rgba(255,255,255,0.4); }
.btn-outline:hover { background: rgba(255,255,255,0.12); border-color: white; }
.btn-ghost { background: transparent; color: var(--text-secondary); border-color: var(--border); }
.btn-ghost:hover { background: var(--bg); color: var(--text-primary); }
.btn-sm { padding: 7px 14px; font-size: 12.5px; }
.btn-lg { padding: 14px 28px; font-size: 16px; border-radius: var(--radius); }
.btn-full { width: 100%; }
.btn-icon { width: 38px; height: 38px; padding: 0; border-radius: 10px; flex-shrink: 0; }
.btn:active { transform: scale(0.97); }

/* ==============================================
   CARDS
   ============================================== */
.card {
  background: var(--bg-card); border-radius: var(--radius);
  padding: 22px; box-shadow: var(--shadow-sm);
  border: 1px solid var(--border-light); transition: var(--transition);
}
.card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.card-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 18px; }

/* ==============================================
   SECTION HEADERS
   ============================================== */
.section-header { text-align: center; margin-bottom: 44px; padding: 0 16px; }
.section-header .eyebrow { font-size: 11.5px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--accent); margin-bottom: 10px; display: block; }
.section-header h2 { margin-bottom: 10px; }
.section-header p { color: var(--text-muted); max-width: 520px; margin: 0 auto; font-size: 0.97rem; }

/* ==============================================
   CATEGORY CARDS
   ============================================== */
.category-card {
  background: white; border-radius: var(--radius); padding: 24px 18px;
  text-align: center; border: 1.5px solid var(--border);
  cursor: pointer; transition: var(--transition-slow);
  position: relative; overflow: hidden; text-decoration: none; display: block;
}
.category-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--primary), var(--accent));
  transform: scaleX(0); transform-origin: left; transition: var(--transition-slow);
}
.category-card:hover::before { transform: scaleX(1); }
.category-card:hover { border-color: var(--primary); box-shadow: var(--shadow-md); transform: translateY(-4px); }
.category-card:active { transform: scale(0.97); }
.category-icon { width: 56px; height: 56px; border-radius: 14px; display: flex; align-items: center; justify-content: center; font-size: 24px; margin: 0 auto 14px; background: var(--bg); }
.category-card h4 { font-size: 14px; margin-bottom: 5px; }
.category-card p { font-size: 12px; color: var(--text-muted); line-height: 1.5; }

/* ==============================================
   INSURER CARDS
   ============================================== */
.insurer-card {
  background: white; border-radius: var(--radius); padding: 20px;
  border: 1.5px solid var(--border); transition: var(--transition);
  display: flex; align-items: flex-start; gap: 14px;
}
.insurer-card:hover { border-color: var(--primary); box-shadow: var(--shadow); }
.insurer-logo { width: 50px; height: 50px; border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 18px; font-weight: 800; color: white; flex-shrink: 0; }
.insurer-info { flex: 1; min-width: 0; }
.insurer-info h4 { font-size: 14px; margin-bottom: 3px; }
.insurer-info .type-badge { display: inline-block; padding: 2px 8px; border-radius: 20px; font-size: 11px; font-weight: 600; background: rgba(26,58,107,0.08); color: var(--primary); margin-bottom: 7px; }
.claim-badge { display: flex; align-items: center; gap: 5px; font-size: 12px; color: var(--success); font-weight: 600; }
.star-rating { display: flex; gap: 1px; color: #f59e0b; font-size: 13px; }

/* ==============================================
   STATS BAND
   ============================================== */
.stats-band { background: var(--primary); padding: 44px 0; }
.stats-band .stat-item { text-align: center; color: white; }
.stats-band .stat-item .num { font-size: clamp(1.8rem, 4vw, 2.4rem); font-weight: 800; display: block; color: white; }
.stats-band .stat-item .lbl { font-size: 12.5px; color: rgba(255,255,255,0.7); margin-top: 4px; }

/* ==============================================
   HOW IT WORKS
   ============================================== */
.how-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; text-align: center; }
.step-card { padding: 28px 20px; }
.step-number {
  width: 48px; height: 48px; border-radius: 50%;
  background: var(--primary); color: white;
  font-size: 18px; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 14px; position: relative;
}
.step-number::after {
  content: ''; position: absolute;
  top: 50%; left: 100%;
  width: 100%; height: 2px; background: var(--border);
  transform: translateY(-50%);
}
.step-card:last-child .step-number::after { display: none; }

/* ==============================================
   TESTIMONIALS
   ============================================== */
.testimonial-card { background: white; border-radius: var(--radius); padding: 24px; border: 1px solid var(--border); }
.testimonial-card .quote { font-size: 28px; color: var(--primary); line-height: 1; margin-bottom: 10px; }
.testimonial-card p { font-size: 14px; line-height: 1.7; color: var(--text-secondary); margin-bottom: 14px; }
.testimonial-author { display: flex; align-items: center; gap: 10px; }
.testimonial-author .avatar { width: 42px; height: 42px; border-radius: 50%; background: linear-gradient(135deg, var(--primary), var(--accent)); display: flex; align-items: center; justify-content: center; color: white; font-weight: 700; font-size: 15px; flex-shrink: 0; }
.testimonial-author .name { font-weight: 600; font-size: 13.5px; }
.testimonial-author .city { font-size: 11.5px; color: var(--text-muted); }

/* ==============================================
   PRODUCT CARDS
   ============================================== */
.product-card { background: white; border-radius: var(--radius); border: 1.5px solid var(--border); overflow: hidden; transition: var(--transition); }
.product-card:hover { border-color: var(--primary); box-shadow: var(--shadow); }
.product-card.featured { border-color: var(--primary); box-shadow: 0 0 0 2px rgba(26,58,107,0.1); }
.product-card .card-top { background: linear-gradient(135deg, var(--primary), var(--primary-light)); padding: 18px; color: white; position: relative; }
.product-card.featured .card-top { background: linear-gradient(135deg, var(--accent-dark), var(--accent)); }
.popular-badge { position: absolute; top: 10px; right: 10px; background: rgba(255,255,255,0.2); border: 1px solid rgba(255,255,255,0.3); color: white; font-size: 10px; font-weight: 700; padding: 3px 8px; border-radius: 20px; }
.product-card .card-body { padding: 18px; }
.feature-list { margin: 10px 0; }
.feature-list li { display: flex; align-items: flex-start; gap: 7px; font-size: 13px; color: var(--text-secondary); padding: 3px 0; }
.feature-list li::before { content: '✓'; color: var(--success); font-weight: 700; flex-shrink: 0; margin-top: 1px; }
.price-tag { font-size: 1.35rem; font-weight: 800; color: var(--primary); }
.price-tag .price-sub { font-size: 11.5px; font-weight: 400; color: var(--text-muted); }

/* ==============================================
   BADGES
   ============================================== */
.badge { display: inline-flex; align-items: center; gap: 4px; padding: 3px 9px; border-radius: 20px; font-size: 11px; font-weight: 600; white-space: nowrap; }
.badge-success { background: rgba(14,159,110,0.1); color: var(--success); }
.badge-warning { background: rgba(194,120,3,0.1); color: var(--warning); }
.badge-danger { background: rgba(224,36,36,0.1); color: var(--danger); }
.badge-info { background: rgba(28,100,242,0.1); color: var(--info); }
.badge-primary { background: rgba(26,58,107,0.1); color: var(--primary); }
.badge-neutral { background: var(--border-light); color: var(--text-muted); }

/* ==============================================
   TABS
   ============================================== */
.tab-list { display: flex; gap: 4px; border-bottom: 2px solid var(--border); margin-bottom: 22px; overflow-x: auto; -webkit-overflow-scrolling: touch; scrollbar-width: none; }
.tab-list::-webkit-scrollbar { display: none; }
.tab-item { padding: 9px 16px; font-size: 14px; font-weight: 600; color: var(--text-muted); cursor: pointer; border-bottom: 2px solid transparent; margin-bottom: -2px; transition: var(--transition); white-space: nowrap; flex-shrink: 0; }
.tab-item:hover { color: var(--primary); }
.tab-item.active { color: var(--primary); border-bottom-color: var(--primary); }

/* ==============================================
   ALERTS
   ============================================== */
.alert { padding: 13px 15px; border-radius: var(--radius-sm); font-size: 14px; display: flex; align-items: flex-start; gap: 9px; }
.alert-success { background: rgba(14,159,110,0.08); border: 1px solid rgba(14,159,110,0.2); color: #065f46; }
.alert-warning { background: rgba(194,120,3,0.08); border: 1px solid rgba(194,120,3,0.2); color: #78350f; }
.alert-danger { background: rgba(224,36,36,0.08); border: 1px solid rgba(224,36,36,0.2); color: #991b1b; }
.alert-info { background: rgba(28,100,242,0.08); border: 1px solid rgba(28,100,242,0.2); color: #1e40af; }

/* ==============================================
   TABLES — responsive
   ============================================== */
.table-wrapper { overflow-x: auto; border-radius: var(--radius); -webkit-overflow-scrolling: touch; }
table { width: 100%; border-collapse: collapse; font-size: 14px; min-width: 580px; }
thead tr { background: var(--bg); }
th { padding: 11px 14px; text-align: left; font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.8px; color: var(--text-muted); white-space: nowrap; }
td { padding: 13px 14px; border-top: 1px solid var(--border-light); }
tbody tr:hover { background: rgba(26,58,107,0.02); }

/* ==============================================
   PROGRESS BARS
   ============================================== */
.progress-bar { height: 6px; border-radius: 3px; background: var(--border); overflow: hidden; }
.progress-bar .fill { height: 100%; border-radius: 3px; background: linear-gradient(90deg, var(--primary), var(--accent)); transition: width 1s ease; }

/* ==============================================
   MODAL
   ============================================== */
.modal-overlay {
  position: fixed; inset: 0; z-index: 2000;
  background: rgba(0,0,0,0.55);
  display: flex; align-items: flex-end; justify-content: center;
  padding: 0;
  opacity: 0; visibility: hidden; transition: var(--transition);
}
.modal-overlay.open { opacity: 1; visibility: visible; }
.modal {
  background: white; border-radius: var(--radius-lg) var(--radius-lg) 0 0;
  padding: 28px 24px;
  width: 100%; max-width: 100%;
  max-height: 92vh; overflow-y: auto;
  transform: translateY(30px);
  transition: transform 0.35s cubic-bezier(0.34, 1.56, 0.64, 1);
}
.modal-overlay.open .modal { transform: translateY(0); }
.modal-handle { width: 40px; height: 4px; background: var(--border); border-radius: 2px; margin: 0 auto 18px; }
.modal-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 22px; }
.modal-close { width: 32px; height: 32px; border-radius: 8px; background: var(--bg); border: none; cursor: pointer; font-size: 17px; display: flex; align-items: center; justify-content: center; color: var(--text-muted); transition: var(--transition); }
.modal-close:hover { background: var(--border); color: var(--text-primary); }

/* ==============================================
   LOADING & EMPTY STATES
   ============================================== */
.loading-spinner { width: 38px; height: 38px; border: 3px solid var(--border); border-top-color: var(--primary); border-radius: 50%; animation: spin 0.7s linear infinite; margin: 0 auto; }
@keyframes spin { to { transform: rotate(360deg); } }
.empty-state { text-align: center; padding: 52px 20px; color: var(--text-muted); }
.empty-state .empty-icon { font-size: 38px; margin-bottom: 12px; }
.empty-state h4 { color: var(--text-secondary); margin-bottom: 7px; }
.empty-state p { font-size: 14px; }

/* ==============================================
   DASHBOARD LAYOUT
   ============================================== */
.dashboard-layout { display: flex; min-height: 100vh; padding-top: var(--nav-height); }

/* Sidebar */
.sidebar {
  width: var(--sidebar-width); background: white;
  border-right: 1px solid var(--border);
  padding: 20px 0;
  position: fixed; top: var(--nav-height); bottom: 0;
  overflow-y: auto; z-index: 100;
  transition: transform 0.3s cubic-bezier(0.25, 0.46, 0.45, 0.94);
  -webkit-overflow-scrolling: touch;
  scrollbar-width: thin;
}
.sidebar::-webkit-scrollbar { width: 4px; }
.sidebar::-webkit-scrollbar-track { background: transparent; }
.sidebar::-webkit-scrollbar-thumb { background: var(--border); border-radius: 2px; }
.sidebar-brand { padding: 0 18px 18px; border-bottom: 1px solid var(--border); margin-bottom: 10px; }
.sidebar-brand h3 { font-size: 13px; color: var(--primary); }
.sidebar-brand p { font-size: 11.5px; color: var(--text-muted); margin-top: 2px; }
.sidebar-nav-label { font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: var(--text-light); padding: 10px 18px 3px; }
.sidebar-nav-item {
  display: flex; align-items: center; gap: 9px;
  padding: 9px 18px; font-size: 13.5px; font-weight: 500;
  color: var(--text-secondary); cursor: pointer;
  border-left: 3px solid transparent; transition: var(--transition);
  text-decoration: none;
}
.sidebar-nav-item:hover { background: var(--bg); color: var(--primary); }
.sidebar-nav-item.active { background: rgba(26,58,107,0.06); color: var(--primary); border-left-color: var(--primary); font-weight: 600; }
.sidebar-nav-item .nav-icon { font-size: 15px; width: 18px; text-align: center; flex-shrink: 0; }
.sidebar-nav-item .nav-badge { margin-left: auto; background: var(--accent); color: white; font-size: 10px; padding: 2px 6px; border-radius: 10px; font-weight: 700; }
.sidebar-overlay { position: fixed; inset: 0; background: rgba(0,0,0,0.45); z-index: 99; display: none; }
.sidebar-overlay.open { display: block; }

/* Dashboard Main */
.dashboard-main { flex: 1; margin-left: var(--sidebar-width); padding: 28px 28px; min-height: calc(100vh - var(--nav-height)); }
.dashboard-header { margin-bottom: 24px; }
.dashboard-header h2 { font-size: 20px; }
.dashboard-header p { font-size: 13.5px; color: var(--text-muted); margin-top: 3px; }

/* Stat Cards */
.stat-card { background: white; border-radius: var(--radius); padding: 18px 20px; border: 1px solid var(--border-light); display: flex; align-items: flex-start; gap: 14px; }
.stat-card .stat-icon { width: 46px; height: 46px; border-radius: 12px; display: flex; align-items: center; justify-content: center; font-size: 21px; flex-shrink: 0; }
.stat-card .stat-info .stat-value { font-size: 1.55rem; font-weight: 800; display: block; color: var(--text-primary); line-height: 1; }
.stat-card .stat-info .stat-label { font-size: 12px; color: var(--text-muted); margin-top: 3px; }
.stat-card .stat-info .stat-change { font-size: 11.5px; font-weight: 600; margin-top: 5px; }
.stat-change.up { color: var(--success); }
.stat-change.down { color: var(--danger); }

/* Form Sections */
.form-section { background: white; border-radius: var(--radius); padding: 24px; border: 1px solid var(--border-light); margin-bottom: 22px; }
.form-section h3 { font-size: 15px; margin-bottom: 18px; padding-bottom: 11px; border-bottom: 1px solid var(--border); }
label.field-label { display: block; font-size: 12.5px; font-weight: 600; color: var(--text-secondary); margin-bottom: 5px; }
.input-group { display: flex; }
.input-group .form-control { border-right: none; border-radius: var(--radius-sm) 0 0 var(--radius-sm); }
.input-group .btn { border-radius: 0 var(--radius-sm) var(--radius-sm) 0; flex-shrink: 0; }

/* ==============================================
   FOOTER
   ============================================== */
.footer { background: var(--primary-dark); color: rgba(255,255,255,0.75); padding: 56px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 36px; padding-bottom: 44px; }
.footer h4 { color: white; font-size: 13.5px; margin-bottom: 14px; font-weight: 700; }
.footer ul li { margin-bottom: 8px; }
.footer ul li a { font-size: 13px; color: rgba(255,255,255,0.6); }
.footer ul li a:hover { color: white; }
.footer-logo { margin-bottom: 13px; }
.footer-logo .brand { color: white; font-size: 19px; font-weight: 800; }
.footer-desc { font-size: 13px; line-height: 1.7; color: rgba(255,255,255,0.6); margin-bottom: 18px; }
.social-links { display: flex; gap: 9px; }
.social-link { width: 34px; height: 34px; border-radius: 8px; background: rgba(255,255,255,0.1); display: flex; align-items: center; justify-content: center; font-size: 13px; color: white; transition: var(--transition); }
.social-link:hover { background: var(--accent); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding: 18px 0; display: flex; align-items: center; justify-content: space-between; font-size: 12px; flex-wrap: wrap; gap: 10px; }
.nia-badge { display: flex; align-items: center; gap: 7px; background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.12); padding: 7px 12px; border-radius: var(--radius-sm); font-size: 11.5px; margin-top: 16px; color: rgba(255,255,255,0.7); }

/* ==============================================
   FLOATING CTA (mobile)
   ============================================== */
.floating-cta { position: fixed; bottom: 20px; right: 16px; z-index: 400; display: none; }
.floating-cta button { background: linear-gradient(135deg, var(--primary), var(--primary-light)); color: white; border: none; padding: 12px 18px; border-radius: 50px; font-size: 14px; font-weight: 600; box-shadow: var(--shadow-lg); display: flex; align-items: center; gap: 7px; cursor: pointer; transition: var(--transition); }
.floating-cta button:hover { transform: scale(1.05); }

/* ==============================================
   INSURER PROFILE PAGE STYLES
   ============================================== */
.profile-hero {
  padding-top: calc(var(--nav-height) + 32px);
  padding-bottom: 0;
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
}
.profile-hero-content { padding: 36px 0 0; color: white; }
.profile-logo-large {
  width: 80px; height: 80px; border-radius: 20px;
  display: flex; align-items: center; justify-content: center;
  font-size: 32px; font-weight: 800; color: white;
  box-shadow: 0 8px 24px rgba(0,0,0,0.25); flex-shrink: 0;
  border: 3px solid rgba(255,255,255,0.2);
}
.profile-header-info h1 { color: white; font-size: clamp(1.4rem, 4vw, 2rem); margin-bottom: 6px; }
.profile-header-info .nepali-name { color: rgba(255,255,255,0.75); font-size: 1rem; margin-bottom: 12px; }
.profile-tab-bar {
  display: flex; gap: 0; border-bottom: none;
  overflow-x: auto; -webkit-overflow-scrolling: touch;
  scrollbar-width: none; margin-top: 28px;
}
.profile-tab-bar::-webkit-scrollbar { display: none; }
.profile-tab-btn {
  padding: 11px 20px; font-size: 13.5px; font-weight: 600;
  color: rgba(255,255,255,0.65); cursor: pointer;
  border-bottom: 3px solid transparent;
  transition: var(--transition); white-space: nowrap;
  background: transparent; border-top: none; border-left: none; border-right: none;
  flex-shrink: 0;
}
.profile-tab-btn:hover { color: white; }
.profile-tab-btn.active { color: white; border-bottom-color: #fbbf24; }
.profile-stat-strip {
  display: flex; overflow-x: auto; gap: 0;
  background: white; border-radius: var(--radius) var(--radius) 0 0;
  margin-top: 24px;
  -webkit-overflow-scrolling: touch;
  scrollbar-width: none;
}
.profile-stat-strip::-webkit-scrollbar { display: none; }
.pstat { flex: 1; min-width: 120px; text-align: center; padding: 16px 12px; border-right: 1px solid var(--border-light); }
.pstat:last-child { border-right: none; }
.pstat .val { font-size: 1.2rem; font-weight: 800; color: var(--primary); display: block; }
.pstat .lbl { font-size: 11px; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.4px; margin-top: 3px; }
.info-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.info-item { display: flex; flex-direction: column; gap: 3px; padding: 13px 16px; background: var(--bg); border-radius: var(--radius-sm); }
.info-item .info-label { font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.4px; color: var(--text-muted); }
.info-item .info-value { font-size: 14px; font-weight: 600; color: var(--text-primary); }
.review-card { background: white; border-radius: var(--radius); border: 1px solid var(--border); padding: 18px; margin-bottom: 14px; }
.review-card .reviewer { display: flex; align-items: center; gap: 10px; margin-bottom: 10px; }
.reviewer-avatar { width: 38px; height: 38px; border-radius: 50%; background: linear-gradient(135deg, var(--primary), var(--accent)); color: white; font-weight: 700; display: flex; align-items: center; justify-content: center; font-size: 14px; flex-shrink: 0; }
.plan-mini-card { background: white; border: 1.5px solid var(--border); border-radius: var(--radius); padding: 16px; transition: var(--transition); }
.plan-mini-card:hover { border-color: var(--primary); box-shadow: var(--shadow-sm); }
.branch-item { display: flex; align-items: center; gap: 10px; padding: 12px 0; border-bottom: 1px solid var(--border-light); }
.branch-item:last-child { border-bottom: none; }

/* ==============================================
   UTILITY CLASSES
   ============================================== */
.text-primary { color: var(--primary); } .text-accent { color: var(--accent); } .text-success { color: var(--success); } .text-warning { color: var(--warning); } .text-danger { color: var(--danger); } .text-muted { color: var(--text-muted); }
.text-center { text-align: center; } .text-right { text-align: right; }
.font-bold { font-weight: 700; } .font-semibold { font-weight: 600; } .font-medium { font-weight: 500; }
.text-sm { font-size: 13px; } .text-xs { font-size: 11.5px; } .text-lg { font-size: 17px; }
.mt-4 { margin-top: 4px; } .mt-8 { margin-top: 8px; } .mt-12 { margin-top: 12px; } .mt-16 { margin-top: 16px; } .mt-24 { margin-top: 24px; } .mt-32 { margin-top: 32px; }
.mb-4 { margin-bottom: 4px; } .mb-8 { margin-bottom: 8px; } .mb-12 { margin-bottom: 12px; } .mb-16 { margin-bottom: 16px; } .mb-24 { margin-bottom: 24px; } .mb-32 { margin-bottom: 32px; }
.p-0 { padding: 0 !important; } .w-full { width: 100%; }
.hidden { display: none !important; } .visible { display: block !important; }
.divider { height: 1px; background: var(--border); margin: 22px 0; }
.truncate { overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.filter-chip { padding: 6px 13px; border-radius: 20px; border: 1.5px solid var(--border); font-size: 12.5px; font-weight: 600; cursor: pointer; transition: var(--transition); color: var(--text-muted); background: white; -webkit-tap-highlight-color: transparent; }
.filter-chip:hover, .filter-chip.active { border-color: var(--primary); color: var(--primary); background: rgba(26,58,107,0.05); }
.filter-chip.active { background: var(--primary); color: white; }
.animate-in { opacity: 0; transform: translateY(18px); transition: opacity 0.5s ease, transform 0.5s ease; }
.animate-in.visible { opacity: 1; transform: translateY(0); }
.chart-card { background: white; border-radius: var(--radius); padding: 22px; border: 1px solid var(--border); }

/* ==============================================
   PRODUCT META
   ============================================== */
.product-meta { display: grid; grid-template-columns: 1fr 1fr; gap: 7px; margin: 11px 0; }
.meta-item { background: var(--bg); border-radius: 8px; padding: 9px 11px; }
.meta-item .meta-label { font-size: 10px; color: var(--text-muted); font-weight: 600; text-transform: uppercase; letter-spacing: 0.4px; }
.meta-item .meta-value { font-size: 13.5px; font-weight: 700; color: var(--text-primary); margin-top: 2px; }
.compare-checkbox { margin-top: 10px; display: flex; align-items: center; gap: 7px; font-size: 12px; color: var(--text-muted); cursor: pointer; }
.compare-checkbox input { accent-color: var(--primary); }

/* ==============================================
   STICKY COMPARE BAR
   ============================================== */
.compare-bar { position: fixed; bottom: 0; left: 0; right: 0; z-index: 200; background: white; border-top: 2px solid var(--primary); padding: 10px 16px; display: none; align-items: center; justify-content: space-between; box-shadow: 0 -4px 20px rgba(0,0,0,0.1); gap: 12px; flex-wrap: wrap; }
.compare-bar.show { display: flex; }
.compare-bar-plans { display: flex; gap: 10px; align-items: center; flex-wrap: wrap; }
.compare-plan-chip { display: flex; align-items: center; gap: 7px; background: var(--bg); border: 1px solid var(--border); border-radius: 8px; padding: 6px 10px; font-size: 12.5px; font-weight: 500; }
.compare-plan-chip .remove { cursor: pointer; color: var(--text-muted); font-size: 15px; }
.compare-plan-chip .remove:hover { color: var(--danger); }

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

/* ---- Large Tablet ---- */
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; }
  :root { --sidebar-width: 230px; }
  .dashboard-main { padding: 22px 20px; }
  .how-grid { grid-template-columns: repeat(2, 1fr); }
  .step-number::after { display: none; }
  .navbar-nav { gap: 0; }
  .nav-link { padding: 7px 10px; font-size: 13px; }
}

/* ---- Tablet ---- */
@media (max-width: 768px) {
  :root { --compliance-height: 28px; --navbar-height: 58px; --nav-height: 86px; }
  .section { padding: 48px 0; }
  .container { padding: 0 16px; }

  /* Navbar mobile */
  .navbar-nav { display: none; }
  .navbar-actions { gap: 6px; }
  .navbar-actions .btn-secondary { display: none; } /* hide "Sign In" on small screens, keep only "Register" or hamburger */
  .hamburger { display: flex; }
  .lang-switcher .flag { display: none; } /* just show text on mobile */

  /* Hero */
  .hero { padding-top: calc(var(--nav-height) + 20px); padding-bottom: 36px; }
  .hero-grid { grid-template-columns: 1fr; gap: 28px; }
  .hero-stats { gap: 18px; }
  .hero .hero-sub { font-size: 0.97rem; }

  /* Grids */
  .grid-2 { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr 1fr; }
  .form-row { grid-template-columns: 1fr; gap: 10px; }

  /* Insurance tabs */
  .insurance-tabs { grid-template-columns: repeat(4, 1fr); gap: 6px; }

  /* Stats band */
  .stats-band .grid-4 { grid-template-columns: repeat(2, 1fr); gap: 20px; }

  /* How it works */
  .how-grid { grid-template-columns: 1fr 1fr; gap: 16px; }

  /* Footer */
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
  .footer-bottom { flex-direction: column; text-align: center; }

  /* Dashboard */
  .sidebar { transform: translateX(-100%); }
  .sidebar.open { transform: translateX(0); box-shadow: var(--shadow-lg); }
  .dashboard-main { margin-left: 0; padding: 16px 14px; }
  .dashboard-header h2 { font-size: 18px; }

  /* Modal — bottom sheet on mobile */
  .modal-overlay { align-items: flex-end; }
  .modal { border-radius: var(--radius-lg) var(--radius-lg) 0 0; max-width: 100%; }

  /* Floating CTA */
  .floating-cta { display: block; }

  /* Compliance bar */
  .compliance-bar { font-size: 10px; padding: 5px 10px; }
  .compliance-bar span { white-space: nowrap; }

  /* Insurer profile */
  .profile-logo-large { width: 64px; height: 64px; font-size: 26px; }
  .info-grid { grid-template-columns: 1fr; }
  .profile-stat-strip { border-radius: var(--radius) var(--radius) 0 0; }

  /* Product meta */
  .product-meta { grid-template-columns: 1fr 1fr; }
}

/* ---- Mobile ---- */
@media (max-width: 480px) {
  :root { --compliance-height: 28px; --navbar-height: 56px; --nav-height: 84px; }
  .container { padding: 0 14px; }

  /* Navbar */
  .logo-text .tagline { display: none; }
  .navbar-actions .btn { padding: 7px 12px; font-size: 12px; }

  /* Hero */
  .hero { padding-top: calc(var(--nav-height) + 16px); padding-bottom: 28px; }
  .hero-stats { flex-wrap: wrap; gap: 14px; }
  .trust-logos { gap: 6px; }
  .trust-logo-item { font-size: 10px; padding: 4px 9px; }

  /* Search card */
  .search-card { padding: 18px 14px; }
  .insurance-tabs { grid-template-columns: repeat(2, 1fr); }
  .ins-tab { font-size: 10.5px; padding: 8px 4px; }

  /* Grids */
  .grid-4 { grid-template-columns: 1fr; }
  .how-grid { grid-template-columns: 1fr; }
  .section-header { margin-bottom: 28px; }

  /* Category cards */
  .category-icon { width: 48px; height: 48px; font-size: 22px; }

  /* Stats */
  .stats-band .grid-4 { grid-template-columns: 1fr 1fr; }

  /* Tabs */
  .tab-list { gap: 0; }
  .tab-item { padding: 8px 12px; font-size: 13px; }

  /* Dashboard */
  .stat-card { padding: 14px 16px; }
  .stat-card .stat-value { font-size: 1.3rem; }
  .form-section { padding: 18px 14px; }
  .dashboard-main { padding: 12px 12px; }

  /* Table */
  table { font-size: 12.5px; }
  th { padding: 9px 10px; font-size: 10px; }
  td { padding: 10px 10px; }

  /* Footer */
  .footer { padding: 40px 0 0; }
  .footer-grid { gap: 20px; }
  .footer-desc { font-size: 12.5px; }

  /* Buttons */
  .btn-lg { padding: 12px 22px; font-size: 14px; }

  /* Compare */
  .compare-bar { padding: 8px 12px; }

  /* Profile */
  .profile-logo-large { width: 56px; height: 56px; font-size: 22px; border-radius: 14px; }
  .profile-stat-strip { border-radius: 0; }
  .pstat { min-width: 100px; padding: 12px 10px; }
  .pstat .val { font-size: 1.05rem; }
}

/* ---- Very small ---- */
@media (max-width: 360px) {
  .insurance-tabs { grid-template-columns: repeat(2, 1fr); }
  .hero h1 { font-size: 1.6rem; }
  .btn { padding: 9px 16px; font-size: 13px; }
}

/* ==============================================
   COMPLIANCE BAR — scrolling ticker on mobile
   ============================================== */
@media (max-width: 600px) {
  .compliance-bar { overflow: hidden; }
  .compliance-scroll {
    display: inline-block;
    white-space: nowrap;
    animation: ticker 20s linear infinite;
  }
  .compliance-scroll span { white-space: nowrap; }
}
@keyframes ticker {
  0% { transform: translateX(100vw); }
  100% { transform: translateX(-100%); }
}

/* ==============================================
   NAVBAR — hide Sign In on small screens
   ============================================== */
@media (max-width: 600px) {
  .nav-signin { display: none; }
  .navbar-actions { gap: 4px; }
  .navbar-actions .btn-sm { padding: 7px 11px; font-size: 12px; }
}

/* ==============================================
   INSURER PROFILE — extra styles
   ============================================== */
.profile-hero-flex {
  display: flex; align-items: flex-start; gap: 20px;
}
@media (max-width: 600px) {
  .profile-hero-flex { flex-direction: column; gap: 14px; }
}
.profile-meta-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(200px, 1fr)); gap: 12px;
}
.profile-product-grid {
  display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 16px;
}
.kv-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 11px 0; border-bottom: 1px solid var(--border-light);
  font-size: 14px;
}
.kv-row:last-child { border-bottom: none; }
.kv-row .kv-key { color: var(--text-muted); font-size: 13px; }
.kv-row .kv-val { font-weight: 600; text-align: right; }
.rating-bar-row { display: flex; align-items: center; gap: 10px; margin-bottom: 8px; }
.rating-bar-row .r-label { font-size: 12px; color: var(--text-muted); width: 60px; flex-shrink: 0; }
.rating-bar-row .r-bar { flex: 1; height: 8px; background: var(--border); border-radius: 4px; overflow: hidden; }
.rating-bar-row .r-fill { height: 100%; border-radius: 4px; background: linear-gradient(90deg, var(--primary), var(--accent)); }
.rating-bar-row .r-count { font-size: 12px; color: var(--text-muted); width: 30px; text-align: right; flex-shrink: 0; }
.contact-card { background: var(--bg); border-radius: var(--radius); padding: 20px; border: 1px solid var(--border); }
.contact-card h4 { margin-bottom: 14px; font-size: 14px; }
.contact-row { display: flex; align-items: center; gap: 10px; padding: 8px 0; border-bottom: 1px solid var(--border-light); font-size: 13.5px; }
.contact-row:last-child { border-bottom: none; }
.contact-row .contact-icon { font-size: 16px; width: 22px; flex-shrink: 0; }
.contact-row a { color: var(--primary); font-weight: 500; }
.contact-row a:hover { text-decoration: underline; }
.doc-item { display: flex; align-items: center; gap: 10px; padding: 11px 14px; background: var(--bg); border-radius: var(--radius-sm); border: 1px solid var(--border); margin-bottom: 8px; font-size: 13.5px; }
.doc-item .doc-icon { font-size: 20px; }
.doc-item .doc-name { flex: 1; font-weight: 500; }
.doc-item .doc-link { color: var(--primary); font-size: 12px; font-weight: 600; }

/* ==============================================
   INSURERS PAGE — responsive cards
   ============================================== */
.insurer-card-actions { flex-wrap: wrap; }
@media (max-width: 400px) {
  .insurer-stats-bar { flex-direction: column; gap: 0; }
  .ins-stat-item { border-right: none; border-bottom: 1px solid var(--border-light); }
  .ins-stat-item:last-child { border-bottom: none; }
}

/* ==============================================
   BACK TO TOP BUTTON
   ============================================== */
.back-to-top {
  position: fixed; bottom: 24px; right: 20px; z-index: 300;
  width: 42px; height: 42px; border-radius: 50%;
  background: var(--primary); color: white;
  display: flex; align-items: center; justify-content: center;
  font-size: 18px; cursor: pointer; border: none;
  box-shadow: var(--shadow-md); transition: var(--transition);
  opacity: 0; visibility: hidden; transform: translateY(10px);
}
.back-to-top.show { opacity: 1; visibility: visible; transform: translateY(0); }
.back-to-top:hover { background: var(--accent); transform: translateY(-2px); }

/* ==============================================
   STICKY SEARCH (index hero)
   ============================================== */
@media (max-width: 768px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-visual { order: -1; }
  .search-card { border-radius: var(--radius); }
}

/* ==============================================
   PLAN / PRODUCT CARDS (compare page)
   ============================================== */
.plan-card {
  background: white;
  border-radius: var(--radius-lg);
  border: 1.5px solid var(--border);
  padding: 22px;
  display: flex;
  flex-direction: column;
  transition: var(--transition-slow);
  position: relative;
  overflow: hidden;
}
.plan-card:hover { box-shadow: var(--shadow-md); border-color: var(--primary); transform: translateY(-3px); }
.plan-card.selected { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(26,58,107,0.12); }
.plan-popular-badge {
  position: absolute; top: 14px; right: 14px;
  background: linear-gradient(135deg, var(--accent), var(--accent-dark));
  color: white; font-size: 10.5px; font-weight: 700;
  padding: 3px 10px; border-radius: 20px;
}
.plan-card-header { display: flex; align-items: center; gap: 12px; margin-bottom: 14px; }
.plan-insurer-logo {
  width: 44px; height: 44px; border-radius: 11px;
  background: var(--primary); color: white;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 16px; flex-shrink: 0;
}
.plan-insurer-name { font-size: 13px; font-weight: 600; color: var(--text-primary); }
.plan-category-tag { font-size: 11px; color: var(--text-muted); margin-top: 1px; }
.plan-insurer-info { flex: 1; min-width: 0; }
.plan-name { font-size: 15px; font-weight: 700; color: var(--text-primary); margin-bottom: 12px; line-height: 1.3; }
.plan-premium-row {
  display: flex; justify-content: space-between; align-items: flex-end;
  background: linear-gradient(135deg, rgba(26,58,107,0.05), rgba(26,58,107,0.02));
  border-radius: var(--radius-sm); padding: 14px; margin-bottom: 12px;
}
.plan-premium-label { font-size: 11px; color: var(--text-muted); font-weight: 600; text-transform: uppercase; letter-spacing: 0.4px; margin-bottom: 3px; }
.plan-premium-amount { font-size: 1.3rem; font-weight: 800; color: var(--primary); }
.plan-coverage { font-size: 14px; font-weight: 700; color: var(--text-primary); }
.plan-meta-row { display: flex; gap: 12px; margin-bottom: 12px; flex-wrap: wrap; }
.plan-meta-item { font-size: 12px; color: var(--text-muted); font-weight: 500; }
.plan-features { list-style: none; margin-bottom: 16px; flex: 1; }
.plan-features li { display: flex; align-items: flex-start; gap: 8px; font-size: 13px; color: var(--text-secondary); padding: 5px 0; border-bottom: 1px solid var(--border-light); line-height: 1.4; }
.plan-features li:last-child { border-bottom: none; }
.feat-check { color: var(--success); font-weight: 700; flex-shrink: 0; }
.plan-actions { display: flex; gap: 8px; margin-top: auto; padding-top: 14px; border-top: 1px solid var(--border-light); }
.plan-actions .btn { flex: 1; justify-content: center; }
.star-rating { color: var(--warning); font-size: 13px; letter-spacing: 1px; }

/* ==============================================
   BLOG PAGE CARDS
   ============================================== */
.blog-card {
  background: white; border-radius: var(--radius-lg);
  border: 1.5px solid var(--border); overflow: hidden;
  transition: var(--transition-slow); display: flex; flex-direction: column;
}
.blog-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.blog-card-img {
  height: 160px; display: flex; align-items: center; justify-content: center;
  background: linear-gradient(135deg, rgba(26,58,107,0.08), rgba(26,58,107,0.15));
}
.blog-card-body { padding: 18px; flex: 1; display: flex; flex-direction: column; }
.blog-cat-tag {
  display: inline-block; font-size: 10.5px; font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.6px;
  padding: 3px 10px; border-radius: 20px; margin-bottom: 10px;
}
.blog-card-title { font-size: 15px; font-weight: 700; color: var(--text-primary); margin-bottom: 8px; line-height: 1.4; }
.blog-card-excerpt { font-size: 13px; color: var(--text-muted); line-height: 1.6; flex: 1; margin-bottom: 12px; }
.blog-card-meta { display: flex; gap: 12px; font-size: 12px; color: var(--text-muted); margin-bottom: 10px; }
.blog-tags { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 12px; }
.blog-tag {
  background: var(--bg); border: 1px solid var(--border);
  border-radius: 20px; padding: 2px 9px;
  font-size: 11px; color: var(--text-muted);
}
.blog-read-more { color: var(--primary); font-size: 13px; font-weight: 600; margin-top: auto; }
.blog-read-more:hover { color: var(--accent); }
.featured-post-card {
  background: white; border-radius: var(--radius-lg);
  border: 1.5px solid var(--border); display: grid;
  grid-template-columns: 200px 1fr; overflow: hidden;
  transition: var(--transition-slow);
}
.featured-post-card:hover { box-shadow: var(--shadow-md); }
.featured-post-img {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary-light));
  display: flex; align-items: center; justify-content: center; font-size: 48px;
}
.featured-post-body { padding: 24px; }
.featured-post-title { font-size: 1.15rem; font-weight: 800; color: var(--text-primary); margin-bottom: 10px; line-height: 1.4; }
.featured-post-excerpt { font-size: 14px; color: var(--text-muted); line-height: 1.7; margin-bottom: 14px; }
.post-meta { display: flex; gap: 16px; font-size: 12.5px; color: var(--text-muted); }
.post-category-tag { display: inline-block; font-size: 10.5px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.6px; color: var(--accent); margin-bottom: 10px; }
@media(max-width:600px) {
  .featured-post-card { grid-template-columns: 1fr; }
  .featured-post-img { height: 120px; }
}

/* ==============================================
   CAREERS PAGE JOBS
   ============================================== */
.job-card {
  background: white; border-radius: var(--radius-lg);
  border: 1.5px solid var(--border); padding: 22px;
  transition: var(--transition-slow); cursor: pointer;
}
.job-card:hover { box-shadow: var(--shadow-md); border-color: var(--primary); transform: translateY(-3px); }
.job-card-header { display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; margin-bottom: 10px; }
.job-title { font-size: 16px; font-weight: 700; color: var(--text-primary); margin-bottom: 4px; }
.job-dept { font-size: 12px; color: var(--primary); font-weight: 600; }
.job-meta { display: flex; gap: 16px; flex-wrap: wrap; font-size: 13px; color: var(--text-muted); margin-bottom: 12px; }
.job-meta span { display: flex; align-items: center; gap: 5px; }
.job-desc { font-size: 13.5px; color: var(--text-secondary); line-height: 1.6; margin-bottom: 14px; }
.job-card-footer { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px; padding-top: 14px; border-top: 1px solid var(--border-light); }
.job-benefits { display: flex; flex-wrap: wrap; gap: 8px; }
.job-benefit-tag {
  background: rgba(14,159,110,0.08); color: var(--success);
  border: 1px solid rgba(14,159,110,0.2);
  border-radius: 20px; padding: 3px 10px; font-size: 11.5px; font-weight: 600;
}

/* ==============================================
   INSURERS PAGE — extended card styles
   ============================================== */
.insurer-card {
  background: white; border-radius: var(--radius-lg);
  border: 1.5px solid var(--border); overflow: hidden;
  transition: var(--transition-slow);
}
.insurer-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); border-color: var(--primary); }
.insurer-card-header { display: flex; align-items: flex-start; justify-content: space-between; padding: 20px 20px 0; gap: 12px; }
.ins-logo {
  width: 56px; height: 56px; border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 20px; color: white; flex-shrink: 0;
}
.ins-name { font-size: 15px; font-weight: 700; color: var(--text-primary); margin: 14px 20px 8px; line-height: 1.3; }
.ins-meta { display: flex; gap: 14px; padding: 0 20px; font-size: 12px; color: var(--text-muted); margin-bottom: 12px; flex-wrap: wrap; }
.ins-stats-row { display: flex; padding: 12px 0; margin: 0 20px; border-top: 1px solid var(--border-light); border-bottom: 1px solid var(--border-light); }
.ins-stat-item { flex: 1; text-align: center; }
.ins-stat-item:not(:last-child) { border-right: 1px solid var(--border-light); }
.ins-stat-item strong { display: block; font-size: 14px; font-weight: 700; color: var(--text-primary); margin-bottom: 2px; }
.ins-stat-item span { font-size: 10.5px; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.4px; }
.ins-products { display: flex; flex-wrap: wrap; gap: 6px; padding: 12px 20px; }
.ins-product-tag {
  background: var(--bg); border: 1px solid var(--border);
  border-radius: 20px; padding: 3px 10px;
  font-size: 11px; color: var(--text-muted); font-weight: 500;
}
.ins-card-actions { display: flex; gap: 8px; padding: 14px 20px; border-top: 1px solid var(--border-light); }
.ins-card-actions .btn { flex: 1; justify-content: center; }

/* ==============================================
   CLAIMS PAGE — track result
   ============================================== */
.track-result-card {
  background: white; border-radius: var(--radius-lg);
  border: 1.5px solid var(--border); padding: 24px;
  margin-top: 20px;
}
.claim-progress {
  display: flex; align-items: flex-start; gap: 0;
  overflow-x: auto; padding-bottom: 8px;
}
.claim-step {
  display: flex; flex-direction: column; align-items: center;
  flex: 1; min-width: 80px;
  position: relative;
}
.claim-step:not(:last-child)::after {
  content: ''; position: absolute; top: 15px; left: 60%;
  width: 80%; height: 2px; background: var(--border);
}
.claim-step.done:not(:last-child)::after { background: var(--success); }
.step-dot {
  width: 32px; height: 32px; border-radius: 50%;
  background: var(--border); color: var(--text-muted);
  display: flex; align-items: center; justify-content: center;
  font-size: 12px; font-weight: 700; margin-bottom: 8px;
  position: relative; z-index: 1; transition: var(--transition);
}
.claim-step.done .step-dot { background: var(--success); color: white; }
.claim-step.current .step-dot { background: var(--primary); color: white; box-shadow: 0 0 0 4px rgba(26,58,107,0.15); }
.step-label { font-size: 11px; color: var(--text-muted); text-align: center; line-height: 1.3; }
.claim-step.done .step-label, .claim-step.current .step-label { color: var(--text-primary); font-weight: 600; }

/* ==============================================
   SECTION HEADERS
   ============================================== */
.section-header { margin-bottom: 40px; }
.section-header.center { text-align: center; }
.section-header .eyebrow {
  display: inline-block; font-size: 11px; font-weight: 700;
  letter-spacing: 1.2px; text-transform: uppercase;
  color: var(--primary); background: rgba(26,58,107,0.08);
  padding: 4px 12px; border-radius: 20px; margin-bottom: 10px;
}
.section-header h2 { margin-bottom: 10px; }
.section-header p { color: var(--text-muted); font-size: 15px; max-width: 580px; }
.section-header.center p { margin: 0 auto; }

/* ==============================================
   FORM STYLES
   ============================================== */
.form-group { margin-bottom: 16px; }
.form-label {
  display: block; font-size: 12.5px; font-weight: 600;
  color: var(--text-secondary); margin-bottom: 6px;
}
.form-control {
  width: 100%; padding: 10px 14px;
  border: 1.5px solid var(--border); border-radius: var(--radius-sm);
  font-size: 14px; font-family: inherit;
  background: white; color: var(--text-primary);
  outline: none; transition: var(--transition);
}
.form-control:focus { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(26,58,107,0.08); }
.form-control::placeholder { color: var(--text-light); }
select.form-control { appearance: none; cursor: pointer; background-image: url("data:image/svg+xml,%3Csvg width='10' height='6' viewBox='0 0 10 6' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1L5 5L9 1' stroke='%236b7280' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 12px center; padding-right: 32px; }

/* ==============================================
   BUTTONS — extended
   ============================================== */
.btn { display: inline-flex; align-items: center; gap: 7px; padding: 10px 20px; border-radius: var(--radius-sm); font-size: 14px; font-weight: 600; cursor: pointer; transition: var(--transition); border: none; outline: none; text-decoration: none; white-space: nowrap; }
.btn-primary { background: var(--primary); color: white; }
.btn-primary:hover { background: var(--primary-light); transform: translateY(-1px); box-shadow: var(--shadow); }
.btn-secondary { background: transparent; color: var(--primary); border: 1.5px solid var(--primary); }
.btn-secondary:hover { background: var(--primary); color: white; }
.btn-accent { background: var(--accent); color: white; }
.btn-accent:hover { background: var(--accent-dark); }
.btn-success { background: var(--success); color: white; }
.btn-danger { background: var(--danger); color: white; }
.btn-ghost { background: transparent; color: var(--text-secondary); border: 1.5px solid var(--border); }
.btn-ghost:hover { border-color: var(--primary); color: var(--primary); }
.btn-sm { padding: 7px 14px; font-size: 12.5px; border-radius: 8px; }
.btn-lg { padding: 14px 28px; font-size: 16px; border-radius: var(--radius); }
.btn:disabled { opacity: 0.6; cursor: not-allowed; transform: none !important; }
.btn-white { background: white; color: var(--primary); }
.btn-white:hover { background: var(--bg); }
.btn-white-outline { background: transparent; color: white; border: 1.5px solid rgba(255,255,255,0.5); }
.btn-white-outline:hover { background: white; color: var(--primary); }

/* ==============================================
   BADGE SYSTEM
   ============================================== */
.badge { display: inline-flex; align-items: center; gap: 4px; padding: 3px 9px; border-radius: 20px; font-size: 11.5px; font-weight: 700; }
.badge-success { background: rgba(14,159,110,0.1); color: var(--success); }
.badge-danger { background: rgba(224,36,36,0.1); color: var(--danger); }
.badge-warning { background: rgba(194,120,3,0.1); color: var(--warning); }
.badge-info { background: rgba(28,100,242,0.1); color: var(--info); }
.badge-primary { background: rgba(26,58,107,0.1); color: var(--primary); }
.badge-neutral { background: var(--bg); color: var(--text-muted); border: 1px solid var(--border); }

/* ==============================================
   SECTION & DASH HELPERS
   ============================================== */
.dash-section { display: block; }
.dash-section.hidden { display: none; }
.hidden { display: none !important; }
.text-muted { color: var(--text-muted); }
.text-primary-color { color: var(--primary); }
.text-success { color: var(--success); }
.text-danger { color: var(--danger); }
.text-warning { color: var(--warning); }
.mt-4 { margin-top: 4px; } .mt-8 { margin-top: 8px; } .mt-12 { margin-top: 12px; } .mt-16 { margin-top: 16px; } .mt-20 { margin-top: 20px; } .mt-24 { margin-top: 24px; }
.mb-4 { margin-bottom: 4px; } .mb-8 { margin-bottom: 8px; } .mb-12 { margin-bottom: 12px; } .mb-16 { margin-bottom: 16px; } .mb-20 { margin-bottom: 20px; } .mb-24 { margin-bottom: 24px; }
.sidebar-toggle-btn {
  display: none; background: none; border: 1.5px solid var(--border);
  border-radius: var(--radius-sm); padding: 7px 10px;
  cursor: pointer; color: var(--text-secondary);
}
@media(max-width:768px) { .sidebar-toggle-btn { display: flex; align-items: center; gap: 6px; font-size: 13px; } }