/* ==========================================================================
   MASSAB FINANCE SOLUTION - Style Sheet
   ========================================================================== */

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

/* --- CSS Variables --- */
:root {
  --color-primary: #081d36;
  --color-primary-light: #0d2b50;
  --color-primary-dark: #051324;
  --color-accent: #f1b53e;
  --color-accent-hover: #e5ab3c;
  --color-text-dark: #2d3748;
  --color-text-muted: #718096;
  --color-text-light: #ffffff;
  --color-bg-light: #f8fafc;
  --color-bg-card: #ffffff;
  --color-border: #e2e8f0;
  --color-success: #48bb78;
  
  --font-heading: 'Outfit', sans-serif;
  --font-body: 'Inter', sans-serif;
  
  --transition-fast: 0.2s ease;
  --transition-normal: 0.3s ease;
  --transition-slow: 0.5s ease;
  
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.1);
  --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.1), 0 2px 4px -1px rgba(0,0,0,0.06);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.1), 0 4px 6px -2px rgba(0,0,0,0.05);
  --shadow-premium: 0 20px 40px -15px rgba(8, 29, 54, 0.12);
  
  --border-radius: 12px;
}

/* --- Base Reset --- */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-body);
  color: var(--color-text-dark);
  background-color: #ffffff;
  line-height: 1.6;
  overflow-x: hidden;
}

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

a {
  text-decoration: none;
  color: inherit;
  transition: var(--transition-fast);
}

button, input, select, textarea {
  font-family: inherit;
  font-size: inherit;
}

/* --- Global Layout Utilities --- */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.section-padding {
  padding: 80px 0;
}

.text-center {
  text-align: center;
}

.badge {
  display: inline-block;
  padding: 6px 14px;
  background-color: #edf2f7;
  color: var(--color-primary);
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  border-radius: 50px;
  margin-bottom: 16px;
}

.section-subtitle {
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--color-accent);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 8px;
  display: block;
}

.section-title {
  font-family: var(--font-heading);
  font-size: 2.25rem;
  font-weight: 800;
  color: var(--color-primary);
  line-height: 1.2;
  margin-bottom: 48px;
}

.section-title span {
  color: var(--color-accent);
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 28px;
  font-weight: 600;
  border-radius: 8px;
  border: none;
  cursor: pointer;
  transition: var(--transition-normal);
  font-size: 0.95rem;
}

.btn-primary {
  background-color: var(--color-accent);
  color: var(--color-primary);
}

.btn-primary:hover {
  background-color: var(--color-accent-hover);
  transform: translateY(-2px);
}

.btn-secondary {
  background-color: transparent;
  color: var(--color-text-light);
  border: 2px solid var(--color-accent);
}

.btn-secondary:hover {
  background-color: var(--color-accent);
  color: var(--color-primary);
}

.btn-dark {
  background-color: var(--color-primary);
  color: var(--color-text-light);
}

.btn-dark:hover {
  background-color: var(--color-primary-light);
}

/* ==========================================================================
   1. Header & Navigation
   ========================================================================== */
header {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 100;
  transition: var(--transition-normal);
}

header.sticky {
  position: fixed;
  background-color: #ffffff;
  box-shadow: var(--shadow-md);
  animation: slideDown 0.4s ease-out;
}

@keyframes slideDown {
  from { transform: translateY(-100%); }
  to { transform: translateY(0); }
}

header.sticky .nav-link {
  color: var(--color-text-dark);
}

header.sticky .logo-title {
  color: var(--color-primary);
}

header.sticky .logo-subtitle {
  color: var(--color-text-muted);
}

/* Top Mini Bar (optional or combined) */
.nav-container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  height: 90px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 12px;
}

.logo-icon {
  width: 44px;
  height: 44px;
  flex-shrink: 0;
}

.logo-text {
  display: flex;
  flex-direction: column;
}

.logo-title {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--color-primary);
  line-height: 1.1;
  letter-spacing: 0.5px;
}

.logo-subtitle {
  font-size: 0.65rem;
  font-weight: 500;
  color: var(--color-text-muted);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-top: 2px;
}

.nav-menu {
  display: flex;
  list-style: none;
  gap: 32px;
}

.nav-item {
  position: relative;
}

.nav-link {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--color-primary);
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 8px 0;
}

.nav-link:hover {
  color: var(--color-accent);
}

.nav-link svg {
  transition: transform var(--transition-fast);
}

.nav-link:hover svg {
  transform: translateY(2px);
}

/* Submenu Dropdown Styling */
.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%) translateY(10px);
  background-color: #ffffff;
  min-width: 220px;
  border-radius: var(--border-radius);
  box-shadow: var(--shadow-lg);
  padding: 12px 0;
  opacity: 0;
  pointer-events: none;
  transition: transform var(--transition-normal), opacity var(--transition-normal);
  z-index: 10;
  border: 1px solid var(--color-border);
}

.nav-item:hover .dropdown-menu {
  opacity: 1;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}

.dropdown-item a {
  display: block;
  padding: 10px 20px;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--color-text-dark);
}

.dropdown-item a:hover {
  background-color: var(--color-bg-light);
  color: var(--color-accent);
}

.nav-phone {
  background-color: var(--color-primary);
  color: var(--color-text-light);
  padding: 10px 20px;
  border-radius: 50px;
  font-weight: 700;
  font-size: 0.9rem;
  display: flex;
  align-items: center;
  gap: 8px;
  border: 2px solid transparent;
  transition: var(--transition-normal);
}

.nav-phone:hover {
  background-color: transparent;
  color: var(--color-primary);
  border-color: var(--color-primary);
}

/* Mobile Toggle */
.mobile-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  color: var(--color-primary);
}

/* ==========================================================================
   2. Hero Section
   ========================================================================== */
.hero {
  position: relative;
  background: linear-gradient(135deg, #f0f4f8 0%, #ffffff 100%);
  padding-top: 140px;
  padding-bottom: 80px;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -10%;
  right: -5%;
  width: 50vw;
  height: 50vw;
  background: radial-gradient(circle, rgba(241, 181, 62, 0.08) 0%, rgba(255,255,255,0) 70%);
  border-radius: 50%;
  pointer-events: none;
  z-index: 1;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.8fr 1.1fr;
  align-items: center;
  gap: 32px;
  position: relative;
  z-index: 2;
}

.hero-content {
  display: flex;
  flex-direction: column;
}

.hero-title {
  font-family: var(--font-heading);
  font-size: 2.85rem;
  line-height: 1.15;
  font-weight: 800;
  color: var(--color-primary);
  margin-bottom: 20px;
}

.hero-title span {
  color: var(--color-accent);
}

.hero-desc {
  font-size: 1.05rem;
  color: var(--color-text-muted);
  margin-bottom: 32px;
  max-width: 520px;
}

/* Features Grid */
.hero-features {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px 16px;
  margin-bottom: 40px;
}

.feature-item {
  display: flex;
  align-items: center;
  gap: 12px;
}

.feature-icon-wrapper {
  width: 38px;
  height: 38px;
  background-color: rgba(241, 181, 62, 0.15);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent);
  flex-shrink: 0;
}

.feature-item span {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--color-primary);
}

/* Helper Box */
.hero-helper {
  background-color: var(--color-primary);
  color: var(--color-text-light);
  border-radius: var(--border-radius);
  padding: 16px 20px;
  display: flex;
  align-items: center;
  gap: 16px;
  box-shadow: var(--shadow-lg);
  max-width: 360px;
  transition: transform var(--transition-normal);
}

.hero-helper:hover {
  transform: translateY(-3px);
}

.helper-icon {
  width: 44px;
  height: 44px;
  background-color: var(--color-accent);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
  flex-shrink: 0;
}

.helper-text p {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.7);
  font-weight: 500;
}

.helper-text h4 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--color-text-light);
}

/* Hero Center Image */
.hero-image-container {
  display: flex;
  justify-content: center;
  align-items: flex-end;
  height: 100%;
  position: relative;
}

.hero-image-container img {
  position: relative;
  z-index: 2;
  transform: scale(1.05);
  transform-origin: bottom center;
}

/* Form Container Card */
.hero-form-card {
  background-color: var(--color-primary);
  color: var(--color-text-light);
  border-radius: 16px;
  padding: 36px 28px;
  box-shadow: 0 30px 60px rgba(8, 29, 54, 0.25);
  position: relative;
  overflow: hidden;
  z-index: 2;
}

.hero-form-card::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 4px;
  background-color: var(--color-accent);
}

.form-header {
  margin-bottom: 24px;
  text-align: center;
}

.form-header h3 {
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 700;
  margin-bottom: 6px;
}

.form-header h3 span {
  color: var(--color-accent);
}

.form-header p {
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.7);
}

/* Form Styling */
.consultation-form {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.form-group {
  position: relative;
}

.form-group svg.input-icon {
  position: absolute;
  left: 14px;
  top: 50%;
  transform: translateY(-50%);
  color: rgba(255, 255, 255, 0.4);
  pointer-events: none;
}

.form-group input,
.form-group select {
  width: 100%;
  padding: 12px 16px 12px 42px;
  border-radius: 8px;
  border: 1px solid rgba(255, 255, 255, 0.15);
  background-color: rgba(255, 255, 255, 0.05);
  color: var(--color-text-light);
  outline: none;
  transition: var(--transition-fast);
  appearance: none;
}

.form-group select {
  padding-right: 36px;
}

.form-group input::placeholder {
  color: rgba(255, 255, 255, 0.4);
}

.form-group select option {
  background-color: var(--color-primary-light);
  color: var(--color-text-light);
}

.form-group input:focus,
.form-group select:focus {
  border-color: var(--color-accent);
  background-color: rgba(255, 255, 255, 0.08);
}

/* Select Arrow Custom */
.select-wrapper {
  position: relative;
}

.select-wrapper::after {
  content: '';
  border: solid rgba(255, 255, 255, 0.6);
  border-width: 0 2px 2px 0;
  display: inline-block;
  padding: 3px;
  position: absolute;
  right: 16px;
  top: 45%;
  transform: translateY(-50%) rotate(45deg);
  pointer-events: none;
}

.form-checkbox {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  cursor: pointer;
  user-select: none;
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.8);
  margin-bottom: 8px;
}

.form-checkbox input {
  margin-top: 3px;
  accent-color: var(--color-accent);
}

.form-checkbox a {
  color: var(--color-accent);
  text-decoration: underline;
}

.form-card-footer {
  text-align: center;
  margin-top: 14px;
}

.form-card-footer p {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.5);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 4px;
}

/* ==========================================================================
   3. Services Section (Loans for Every Goal)
   ========================================================================== */
.services-section {
  background-color: var(--color-bg-light);
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-bottom: 40px;
}

.service-card {
  background-color: var(--color-bg-card);
  border-radius: var(--border-radius);
  padding: 30px 20px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--color-border);
  transition: var(--transition-normal);
}

.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-premium);
  border-color: rgba(241, 181, 62, 0.3);
}

.service-card-icon {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background-color: rgba(8, 29, 54, 0.04);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
  margin-bottom: 20px;
  transition: var(--transition-normal);
}

.service-card:hover .service-card-icon {
  background-color: var(--color-primary);
  color: var(--color-accent);
}

.service-card h3 {
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 12px;
  color: var(--color-primary);
}

.service-card p {
  font-size: 0.8rem;
  color: var(--color-text-muted);
  line-height: 1.5;
  margin-bottom: auto; /* Push link to bottom */
}

.service-card-link {
  margin-top: 20px;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--color-primary);
  display: flex;
  align-items: center;
  gap: 6px;
}

.service-card-link svg {
  transition: transform var(--transition-fast);
}

.service-card-link:hover {
  color: var(--color-accent);
}

.service-card-link:hover svg {
  transform: translateX(3px);
}

/* Bottom Bar Services */
.services-footer-bar {
  background-color: var(--color-primary);
  color: var(--color-text-light);
  border-radius: 8px;
  padding: 18px 24px;
  display: flex;
  justify-content: space-around;
  flex-wrap: wrap;
  gap: 16px;
  box-shadow: var(--shadow-md);
}

.sf-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 600;
  font-size: 0.85rem;
}

.sf-item svg {
  color: var(--color-accent);
}

/* ==========================================================================
   4. Insurance Section
   ========================================================================== */
.insurance-section {
  background-color: #ffffff;
}

.insurance-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-bottom: 48px;
}

.insurance-card {
  background-color: var(--color-bg-card);
  border-radius: var(--border-radius);
  padding: 32px 24px;
  text-align: center;
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-sm);
  transition: var(--transition-normal);
  display: flex;
  flex-direction: column;
  align-items: center;
}

.insurance-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-premium);
  border-color: rgba(241, 181, 62, 0.3);
}

.insurance-icon-wrapper {
  width: 60px;
  height: 60px;
  border-radius: 12px;
  background-color: rgba(8, 29, 54, 0.04);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
  margin-bottom: 20px;
  transition: var(--transition-normal);
}

.insurance-card:hover .insurance-icon-wrapper {
  background-color: var(--color-primary);
  color: var(--color-accent);
}

.insurance-card h3 {
  font-family: var(--font-heading);
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 12px;
  color: var(--color-primary);
}

.insurance-card p {
  font-size: 0.85rem;
  color: var(--color-text-muted);
  line-height: 1.5;
  margin-bottom: 20px;
}

.insurance-link {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--color-primary);
  display: flex;
  align-items: center;
  gap: 6px;
  margin-top: auto;
}

.insurance-link:hover {
  color: var(--color-accent);
}

.insurance-link svg {
  transition: transform var(--transition-fast);
}

.insurance-link:hover svg {
  transform: translateX(3px);
}

/* Trust Bar (Bank Logos) */
.trust-bar {
  background-color: #fff9ed;
  border: 1px solid #ffe9c4;
  border-radius: var(--border-radius);
  padding: 20px 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.trust-info {
  display: flex;
  align-items: center;
  gap: 16px;
  max-width: 420px;
}

.trust-info-icon {
  color: var(--color-accent);
  flex-shrink: 0;
}

.trust-info p {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--color-primary);
  line-height: 1.3;
}

.trust-logos {
  display: flex;
  align-items: center;
  gap: 28px;
  flex-wrap: wrap;
}

.bank-logo {
  font-weight: 800;
  font-size: 1.1rem;
  color: #1a202c;
  display: flex;
  align-items: center;
  gap: 4px;
  opacity: 0.75;
}

.bank-logo.hdfc { color: #1c3d5a; }
.bank-logo.icici { color: #db8c2c; }
.bank-logo.axis { color: #9c2747; }
.bank-logo.sbi { color: #00a8e1; }
.bank-logo.kotak { color: #e61a27; }

.bank-logo-more {
  background-color: var(--color-primary);
  color: var(--color-text-light);
  padding: 6px 12px;
  border-radius: 4px;
  font-size: 0.75rem;
  font-weight: 700;
}

/* ==========================================================================
   5. Why Choose Us Section
   ========================================================================== */
.why-choose-us {
  background-color: var(--color-primary);
  color: var(--color-text-light);
}

.wcu-grid {
  display: grid;
  grid-template-columns: 1.1fr 1.2fr;
  gap: 64px;
  align-items: center;
}

.wcu-content h2 {
  font-family: var(--font-heading);
  font-size: 2.25rem;
  font-weight: 800;
  margin-bottom: 24px;
  color: var(--color-text-light);
}

.wcu-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-bottom: 36px;
}

.wcu-list-item {
  display: flex;
  align-items: center;
  gap: 14px;
}

.wcu-list-item svg {
  color: var(--color-accent);
  flex-shrink: 0;
}

.wcu-list-item span {
  font-size: 0.95rem;
  font-weight: 500;
  color: rgba(255,255,255,0.9);
}

/* Statistics Grid */
.wcu-stats {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}

.stat-box {
  background-color: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--border-radius);
  padding: 36px 24px;
  text-align: center;
  transition: var(--transition-normal);
  display: flex;
  flex-direction: column;
  align-items: center;
}

.stat-box:hover {
  background-color: rgba(255, 255, 255, 0.06);
  border-color: var(--color-accent);
  transform: translateY(-4px);
}

.stat-icon {
  color: var(--color-accent);
  margin-bottom: 16px;
}

.stat-number {
  font-family: var(--font-heading);
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--color-text-light);
  line-height: 1.1;
  margin-bottom: 8px;
}

.stat-label {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.7);
  font-weight: 600;
}

/* ==========================================================================
   6. How It Works (Simple 4 Steps Process)
   ========================================================================== */
.how-it-works {
  background-color: var(--color-bg-light);
}

.steps-container {
  display: flex;
  justify-content: space-between;
  position: relative;
  margin-top: 24px;
}

/* Connector Line */
.steps-container::before {
  content: '';
  position: absolute;
  top: 50px;
  left: 10%;
  right: 10%;
  height: 2px;
  border-top: 2px dashed var(--color-border);
  z-index: 1;
}

.step-card {
  position: relative;
  z-index: 2;
  text-align: center;
  flex: 1;
  max-width: 240px;
  display: flex;
  flex-direction: column;
  align-items: center;
}

.step-icon-outer {
  width: 100px;
  height: 100px;
  border-radius: 50%;
  background-color: #ffffff;
  border: 4px solid var(--color-bg-light);
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  color: var(--color-primary);
  position: relative;
  transition: var(--transition-normal);
}

.step-card:hover .step-icon-outer {
  border-color: var(--color-accent);
  color: var(--color-accent);
  transform: scale(1.05);
}

.step-icon-inner {
  width: 76px;
  height: 76px;
  border-radius: 50%;
  background-color: rgba(8, 29, 54, 0.04);
  display: flex;
  align-items: center;
  justify-content: center;
}

.step-number {
  position: absolute;
  bottom: 0;
  right: 0;
  width: 28px;
  height: 28px;
  background-color: var(--color-accent);
  color: var(--color-primary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 0.8rem;
  box-shadow: var(--shadow-sm);
}

.step-meta {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--color-text-muted);
  letter-spacing: 0.05em;
  margin-bottom: 6px;
}

.step-card h3 {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--color-primary);
  margin-bottom: 10px;
}

.step-card p {
  font-size: 0.8rem;
  color: var(--color-text-muted);
  line-height: 1.5;
}

/* ==========================================================================
   7. Testimonials (Real Stories, Real Smiles)
   ========================================================================== */
.testimonials {
  background-color: #ffffff;
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

.testimonial-card {
  background-color: var(--color-bg-card);
  border: 1px solid var(--color-border);
  border-radius: var(--border-radius);
  padding: 36px 30px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  position: relative;
  transition: var(--transition-normal);
}

.testimonial-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-premium);
  border-color: rgba(241, 181, 62, 0.3);
}

.quote-icon {
  color: var(--color-accent);
  opacity: 0.4;
  margin-bottom: 20px;
}

.testimonial-text {
  font-size: 0.9rem;
  color: var(--color-text-dark);
  font-style: italic;
  line-height: 1.6;
  margin-bottom: 28px;
}

.testimonial-user {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-top: auto;
}

.user-img {
  width: 50px;
  height: 50px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--color-accent);
  background-color: var(--color-bg-light);
}

.user-info h4 {
  font-family: var(--font-heading);
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--color-primary);
}

.user-stars {
  display: flex;
  gap: 2px;
  margin-top: 4px;
}

.user-stars svg {
  color: var(--color-accent);
}

/* ==========================================================================
   8. Call-To-Action (CTA) Bar & Bottom Widget
   ========================================================================== */
.cta-bar {
  background-color: var(--color-primary);
  color: var(--color-text-light);
  padding: 30px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.cta-container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.cta-left {
  display: flex;
  align-items: center;
  gap: 20px;
}

.cta-icon-wrapper {
  width: 52px;
  height: 52px;
  background-color: var(--color-accent);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
}

.cta-info p {
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.7);
  font-weight: 500;
}

.cta-info h3 {
  font-size: 1.45rem;
  font-weight: 700;
}

/* ==========================================================================
   9. Footer
   ========================================================================== */
footer {
  background-color: var(--color-primary-dark);
  color: var(--color-text-light);
  padding: 80px 0 24px 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr 1.1fr 1fr;
  gap: 48px;
  margin-bottom: 60px;
}

.footer-col h3 {
  font-family: var(--font-heading);
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 24px;
  position: relative;
  padding-bottom: 10px;
}

.footer-col h3::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 40px;
  height: 2px;
  background-color: var(--color-accent);
}

.footer-about p {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.6);
  line-height: 1.6;
  margin-bottom: 24px;
  max-width: 280px;
}

.social-links {
  display: flex;
  gap: 12px;
}

.social-icon {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background-color: rgba(255, 255, 255, 0.05);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255, 255, 255, 0.7);
  transition: var(--transition-normal);
  border: 1px solid rgba(255, 255, 255, 0.08);
}

.social-icon:hover {
  background-color: var(--color-accent);
  color: var(--color-primary);
  transform: translateY(-3px);
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-link a {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.6);
  display: inline-block;
}

.footer-link a:hover {
  color: var(--color-accent);
  transform: translateX(4px);
}

.footer-contact {
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.fc-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.fc-item svg {
  color: var(--color-accent);
  flex-shrink: 0;
  margin-top: 4px;
}

.fc-text p {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.6);
  line-height: 1.5;
}

/* Footer Bottom */
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
}

.footer-bottom p {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.4);
}

.footer-bottom span {
  color: #e53e3e;
}

/* ==========================================================================
   10. Responsiveness
   ========================================================================== */

/* Under 1200px (Laptops) */
@media (max-width: 1200px) {
  .services-grid {
    grid-template-columns: repeat(3, 1fr);
  }
  .hero-grid {
    grid-template-columns: 1.2fr 1fr;
  }
  .hero-image-container {
    display: none; /* Hide center image on intermediate screens to prevent crowding */
  }
  .hero-title {
    font-size: 2.5rem;
  }
}

/* Under 992px (Tablets) */
@media (max-width: 992px) {
  .section-title {
    font-size: 2rem;
  }
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  .hero-content {
    align-items: center;
    text-align: center;
  }
  .hero-desc {
    margin-left: auto;
    margin-right: auto;
  }
  .hero-features {
    justify-content: center;
    margin-left: auto;
    margin-right: auto;
  }
  .hero-helper {
    margin-left: auto;
    margin-right: auto;
  }
  .hero-form-card {
    max-width: 500px;
    margin: 0 auto;
  }
  .insurance-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .wcu-grid {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  .steps-container {
    flex-direction: column;
    align-items: center;
    gap: 40px;
  }
  .steps-container::before {
    display: none;
  }
  .testimonials-grid {
    grid-template-columns: 1fr;
    max-width: 600px;
    margin: 0 auto;
  }
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .cta-container {
    flex-direction: column;
    gap: 24px;
    text-align: center;
  }
  .cta-left {
    flex-direction: column;
  }
}

/* Under 768px (Mobile & Small Tablets) */
@media (max-width: 768px) {
  .nav-menu {
    position: fixed;
    top: 90px;
    left: -100%;
    width: 100%;
    height: calc(100vh - 90px);
    background-color: #ffffff;
    flex-direction: column;
    align-items: center;
    padding-top: 40px;
    transition: var(--transition-normal);
    box-shadow: 0 10px 15px rgba(0,0,0,0.05);
    z-index: 99;
  }
  
  .nav-menu.active {
    left: 0;
  }
  
  .mobile-toggle {
    display: block;
  }
  
  .nav-phone {
    display: none; /* Hide from header on mobile, can access via bottom footer */
  }
  
  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  
  .trust-bar {
    flex-direction: column;
    text-align: center;
    padding: 24px 20px;
  }
  .trust-logos {
    justify-content: center;
  }
}

/* Under 480px (Small Mobile) */
@media (max-width: 480px) {
  .hero-title {
    font-size: 2rem;
  }
  .hero-features {
    grid-template-columns: 1fr;
  }
  .services-grid {
    grid-template-columns: 1fr;
  }
  .insurance-grid {
    grid-template-columns: 1fr;
  }
  .wcu-stats {
    grid-template-columns: 1fr;
  }
  .footer-grid {
    grid-template-columns: 1fr;
  }
  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }
}

/* Success notification message box */
.notification {
  position: fixed;
  bottom: 24px;
  right: 24px;
  background-color: var(--color-success);
  color: var(--color-text-light);
  padding: 16px 24px;
  border-radius: 8px;
  box-shadow: var(--shadow-lg);
  z-index: 1000;
  font-weight: 600;
  transform: translateY(100px);
  opacity: 0;
  transition: transform var(--transition-normal), opacity var(--transition-normal);
  display: flex;
  align-items: center;
  gap: 12px;
}

.notification.show {
  transform: translateY(0);
  opacity: 1;
}