/* --- CSS VARIABLES & RESET --- */
        :root {
            --primary-color: #0056b3; /* Trust Blue */
            --secondary-color: #00a8cc; /* Teal Blue */
            --accent-color: #fca311; /* Amber for CTAs */
            --text-dark: #1e293b;
            --text-light: #64748b;
            --bg-light: #f8fafc;
            --white: #ffffff;
            --success: #10b981;
            --border-radius: 8px;
            --shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1);
            --transition: all 0.3s ease;
        }

        * { margin: 0; padding: 0; box-sizing: border-box; }
        html { scroll-behavior: smooth; }
        body { font-family: 'Inter', sans-serif; color: var(--text-dark); line-height: 1.6; background-color: var(--white); }
        h1, h2, h3, h4 { font-family: 'Playfair Display', serif; color: var(--primary-color); margin-bottom: 1rem; }
        p { color: var(--text-light); margin-bottom: 1rem; }
        a { text-decoration: none; color: inherit; transition: var(--transition); }
        ul { list-style: none; }
        img { max-width: 100%; display: block; }
        input, textarea, select { font-family: 'Inter', sans-serif; }

        /* --- UTILITIES --- */
        .container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 20px; }
        .section-padding { padding: 80px 0; }
        .text-center { text-align: center; }
        .flex { display: flex; }
        .items-center { align-items: center; }
        .justify-between { justify-content: space-between; }
        .grid { display: grid; }
        
        .btn {
            display: inline-block;
            padding: 12px 30px;
            border-radius: 50px;
            font-weight: 600;
            cursor: pointer;
            transition: var(--transition);
            border: none;
            font-size: 1rem;
        }
        .btn-primary {
            background-color: var(--accent-color);
            color: var(--white);
        }
        .btn-primary:hover { background-color: #e69500; transform: translateY(-2px); }
        .btn-secondary {
            background-color: transparent;
            border: 2px solid var(--primary-color);
            color: var(--primary-color);
        }
        .btn-secondary:hover { background-color: var(--primary-color); color: var(--white); }

        /* --- HEADER --- */
        header {
            background-color: var(--white);
            box-shadow: var(--shadow);
            position: sticky;
            top: 0;
            z-index: 1000;
        }
        .nav-wrapper { display: flex; justify-content: space-between; align-items: center; height: 80px; }
        .logo { font-size: 1.5rem; font-weight: 700; color: var(--primary-color); display: flex; align-items: center; gap: 10px; }
        .logo i { color: var(--secondary-color); }
        
        .nav-menu { display: flex; gap: 25px; align-items: center; }
        .nav-link { font-weight: 500; color: var(--text-dark); font-size: 0.95rem; }
        .nav-link:hover { color: var(--primary-color); }
        
        .mobile-toggle { display: none; font-size: 1.5rem; cursor: pointer; }

        /* --- HERO SECTION --- */
        .hero {
            background: linear-gradient(rgba(0, 86, 179, 0.85), rgba(0, 86, 179, 0.7)), url('../images/hero.webp');
            background-size: cover;
            background-position: center;
            color: var(--white);
            padding: 120px 0;
            text-align: center;
        }
        .hero h1 { color: var(--white); font-size: 3rem; margin-bottom: 1.5rem; line-height: 1.2; }
        .hero p { color: #e2e8f0; font-size: 1.2rem; margin-bottom: 2rem; max-width: 800px; margin-left: auto; margin-right: auto; }
        .hero-btns { display: flex; justify-content: center; gap: 15px; }

        /* --- ABOUT US --- */
        .about-content { max-width: 800px; margin: 0 auto; }
        .about-points { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 20px; margin-top: 30px; }
        .point-item { display: flex; align-items: center; gap: 10px; font-weight: 500; }
        .point-item i { color: var(--success); }

        /* --- INSURANCE CATEGORIES --- */
        .services { background-color: var(--bg-light); }
        .services-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
            gap: 30px;
            margin-top: 40px;
        }
        .service-card {
            background: var(--white);
            padding: 30px;
            border-radius: var(--border-radius);
            box-shadow: var(--shadow);
            transition: var(--transition);
            border-top: 4px solid var(--secondary-color);
        }
        .service-card:hover { transform: translateY(-5px); }
        .service-icon { font-size: 2.5rem; color: var(--primary-color); margin-bottom: 20px; }
        .service-title { font-size: 1.25rem; font-weight: 700; margin-bottom: 10px; }

        /* --- WHY CHOOSE US --- */
        .why-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
            gap: 20px;
            margin-top: 40px;
        }
        .why-item { display: flex; gap: 15px; align-items: start; }
        .why-item i { color: var(--primary-color); font-size: 1.2rem; margin-top: 4px; }

        /* --- TESTIMONIALS --- */
        .testimonial-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
            gap: 30px;
            margin-top: 40px;
        }
        .testimonial-card {
            background: var(--bg-light);
            padding: 30px;
            border-radius: var(--border-radius);
            border-left: 4px solid var(--accent-color);
        }
        .stars { color: #fbbf24; margin-bottom: 15px; }
        .client-name { margin-top: 15px; font-weight: 700; color: var(--primary-color); display: block; }

        /* --- FORMS --- */
        .form-container {
            max-width: 600px;
            margin: 0 auto;
            background: var(--white);
            padding: 40px;
            border-radius: var(--border-radius);
            box-shadow: var(--shadow);
            border: 1px solid #e2e8f0;
        }
        .form-group { margin-bottom: 20px; }
        .form-group label { display: block; margin-bottom: 8px; font-weight: 500; font-size: 0.9rem; }
        .form-control {
            width: 100%;
            padding: 12px;
            border: 1px solid #cbd5e1;
            border-radius: 6px;
            font-size: 1rem;
        }
        .form-control:focus { outline: none; border-color: var(--primary-color); }
        textarea.form-control { resize: vertical; min-height: 120px; }
        .checkbox-group { display: flex; align-items: center; gap: 10px; font-size: 0.9rem; }

        /* --- FOOTER --- */
        footer { background: var(--primary-color); color: #cbd5e1; padding: 60px 0 20px; font-size: 0.9rem; }
        .footer-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 40px; margin-bottom: 40px; }
        .footer-col h4 { color: var(--white); font-family: 'Inter', sans-serif; margin-bottom: 20px; font-size: 1.1rem; }
        .footer-links li { margin-bottom: 10px; }
        .footer-links a:hover { color: var(--accent-color); padding-left: 5px; }
        .contact-item { display: flex; gap: 10px; margin-bottom: 15px; }
        .contact-item i { color: var(--accent-color); margin-top: 4px; }
        
        .social-icons { display: flex; gap: 15px; margin-top: 20px; }
        .social-icons a { width: 35px; height: 35px; background: rgba(255,255,255,0.1); display: flex; align-items: center; justify-content: center; border-radius: 50%; color: var(--white); }
        .social-icons a:hover { background: var(--accent-color); }
        .footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); text-align: center; padding-top: 20px; }

        /* --- MODALS --- */
        .modal {
            display: none;
            position: fixed;
            z-index: 2000;
            left: 0; top: 0;
            width: 100%; height: 100%;
            background-color: rgba(0,0,0,0.6);
            align-items: center;
            justify-content: center;
            opacity: 0;
            transition: opacity 0.3s;
        }
        .modal.open { display: flex; opacity: 1; }
        .modal-content {
            background-color: var(--white);
            padding: 40px;
            border-radius: var(--border-radius);
            width: 90%;
            max-width: 600px;
            max-height: 80vh;
            overflow-y: auto;
            position: relative;
            transform: translateY(-20px);
            transition: transform 0.3s;
        }
        .modal.open .modal-content { transform: translateY(0); }
        .close-modal {
            position: absolute;
            top: 15px; right: 20px;
            font-size: 28px;
            cursor: pointer;
            color: #94a3b8;
        }
        .close-modal:hover { color: var(--primary-color); }

        /* --- TOAST --- */
        #toast {
            visibility: hidden;
            min-width: 300px;
            background-color: #333;
            color: #fff;
            text-align: center;
            border-radius: 8px;
            padding: 16px;
            position: fixed;
            z-index: 3000;
            left: 50%;
            bottom: 30px;
            transform: translateX(-50%);
            box-shadow: 0 5px 15px rgba(0,0,0,0.2);
            opacity: 0;
            transition: opacity 0.5s, bottom 0.5s;
        }
        #toast.show { visibility: visible; opacity: 1; bottom: 50px; }

        /* --- RESPONSIVE --- */
        @media (max-width: 768px) {
            .nav-menu {
                position: fixed;
                top: 80px; left: -100%;
                width: 100%; height: 100vh;
                background: var(--white);
                flex-direction: column;
                padding: 20px;
                transition: 0.3s;
                box-shadow: 5px 0 15px rgba(0,0,0,0.1);
            }
            .nav-menu.active { left: 0; }
            .mobile-toggle { display: block; }
            .hero h1 { font-size: 2.2rem; }
            .hero-btns { flex-direction: column; }
            .hero-btns .btn { width: 100%; }
        }