/* ===================================================
   Kantoor De Kezel — Crelan Welle
   Complete redesign: Crelan-inspired dual navbar,
   colorful sections, professional banking aesthetic
   =================================================== */

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

:root {
  --clr-blue-light: #4ABED0;
  --clr-blue-mid: #1A7A94;
  --clr-blue-dark: #0D4D6E;
  --clr-blue-deeper: #092F44;
  --clr-bordeaux: #8B1F34;
  --clr-bordeaux-light: #A8374D;
  --clr-bordeaux-bg: rgba(139, 31, 52, 0.06);
  --clr-blue-bg: rgba(74, 190, 208, 0.08);
  --clr-blue-bg-mid: rgba(13, 77, 110, 0.04);
  --clr-white: #FFFFFF;
  --clr-off-white: #F6F8FB;
  --clr-gray-50: #F9FAFB;
  --clr-gray-100: #EEF1F6;
  --clr-gray-200: #D8DCE4;
  --clr-gray-300: #BCC2CC;
  --clr-gray-500: #737D8C;
  --clr-gray-600: #5A6270;
  --clr-gray-800: #2D3340;
  --clr-dark: #1A2332;

  --ff: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --fs-xs: 0.75rem;
  --fs-sm: 0.8125rem;
  --fs-base: 0.9375rem;
  --fs-md: 1.0625rem;
  --fs-lg: 1.1875rem;
  --fs-xl: 1.375rem;
  --fs-2xl: 1.75rem;
  --fs-3xl: 2.25rem;
  --fs-4xl: 2.75rem;
  --fs-5xl: 3.25rem;

  --fw-regular: 400;
  --fw-medium: 500;
  --fw-semibold: 600;
  --fw-bold: 700;
  --fw-extrabold: 800;

  --radius-xs: 0.25rem;
  --radius-sm: 0.375rem;
  --radius-md: 0.5rem;
  --radius-lg: 0.75rem;
  --radius-xl: 1rem;
  --radius-2xl: 1.25rem;
  --radius-full: 9999px;

  --shadow-xs: 0 1px 2px rgba(13, 77, 110, 0.05);
  --shadow-sm: 0 1px 4px rgba(13, 77, 110, 0.07);
  --shadow-md: 0 4px 12px rgba(13, 77, 110, 0.08);
  --shadow-lg: 0 8px 24px rgba(13, 77, 110, 0.10);
  --shadow-xl: 0 12px 40px rgba(13, 77, 110, 0.12);
  --shadow-card: 0 1px 8px rgba(13, 77, 110, 0.06), 0 0 1px rgba(13, 77, 110, 0.08);
  --shadow-card-hover: 0 8px 28px rgba(13, 77, 110, 0.12);

  --ease: cubic-bezier(0.4, 0, 0.2, 1);
  --ease-spring: cubic-bezier(0.34, 1.56, 0.64, 1);
  --transition-fast: 0.15s var(--ease);
  --transition-base: 0.25s var(--ease);
  --transition-slow: 0.4s var(--ease);

  --container-max: 1180px;
  --topbar-height: 40px;
  --navbar-height: 64px;
  --header-total: calc(var(--topbar-height) + var(--navbar-height));
}

/* === Reset === */

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

html {
  scroll-behavior: smooth;
  scroll-padding-top: var(--header-total);
}

body {
  font-family: var(--ff);
  font-size: var(--fs-base);
  font-weight: var(--fw-regular);
  line-height: 1.7;
  color: var(--clr-gray-800);
  background: var(--clr-white);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--clr-blue-dark); text-decoration: none; transition: color var(--transition-fast); }
a:hover { color: var(--clr-bordeaux); }
ul, ol { list-style: none; }
button { font-family: var(--ff); cursor: pointer; }

h1, h2, h3, h4, h5, h6 {
  font-family: var(--ff);
  font-weight: var(--fw-bold);
  line-height: 1.2;
  color: var(--clr-dark);
  letter-spacing: -0.01em;
}

h1 { font-size: var(--fs-4xl); font-weight: var(--fw-extrabold); }
h2 { font-size: var(--fs-3xl); }
h3 { font-size: var(--fs-xl); }
h4 { font-size: var(--fs-lg); }
p + p { margin-top: 0.875rem; }

/* === Layout === */

.container {
  width: 100%;
  max-width: var(--container-max);
  margin-inline: auto;
  padding-inline: 1.5rem;
}

.section { padding: 4.5rem 0; }
.section--sm { padding: 3rem 0; }
.section--lg { padding: 6rem 0; }
.section--white { background: var(--clr-white); }
.section--off-white { background: var(--clr-off-white); }
.section--blue-tint { background: var(--clr-blue-bg); }
.section--bordeaux-tint { background: var(--clr-bordeaux-bg); }
.section--gradient {
  background: linear-gradient(135deg, var(--clr-blue-deeper) 0%, var(--clr-blue-dark) 60%, var(--clr-blue-mid) 100%);
  color: var(--clr-white);
}
.section--gradient h2,
.section--gradient h3,
.section--gradient h4,
.section--gradient p { color: var(--clr-white); }
.section--gradient p { opacity: 0.85; }

.section--dark {
  background: var(--clr-dark);
  color: var(--clr-white);
}

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

.section-label {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: var(--fs-xs);
  font-weight: var(--fw-bold);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--clr-blue-light);
  margin-bottom: 0.75rem;
}

.section-label::before {
  content: '';
  width: 1.5rem;
  height: 2px;
  background: currentColor;
  border-radius: 1px;
}

.section--gradient .section-label { color: rgba(255,255,255,0.7); }

.section-title { margin-bottom: 0.75rem; }

.section-desc {
  font-size: var(--fs-md);
  color: var(--clr-gray-500);
  max-width: 36rem;
  line-height: 1.7;
}
.text-center .section-desc { margin-inline: auto; }
.section--gradient .section-desc { color: rgba(255,255,255,0.75); }

.grid { display: grid; gap: 1.5rem; }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }

@media (max-width: 1024px) {
  .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .grid--3 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .grid--4, .grid--3, .grid--2 { grid-template-columns: 1fr; }
}

/* === Buttons === */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.6875rem 1.5rem;
  font-family: var(--ff);
  font-size: var(--fs-sm);
  font-weight: var(--fw-semibold);
  line-height: 1.2;
  border-radius: var(--radius-md);
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: all var(--transition-base);
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn svg { width: 1em; height: 1em; flex-shrink: 0; }

.btn--primary {
  background: var(--clr-blue-dark);
  color: var(--clr-white);
  border-color: var(--clr-blue-dark);
}
.btn--primary:hover {
  background: var(--clr-blue-deeper);
  border-color: var(--clr-blue-deeper);
  color: var(--clr-white);
  box-shadow: 0 4px 14px rgba(13, 77, 110, 0.3);
}

.btn--bordeaux {
  background: var(--clr-bordeaux);
  color: var(--clr-white);
  border-color: var(--clr-bordeaux);
}
.btn--bordeaux:hover {
  background: var(--clr-bordeaux-light);
  border-color: var(--clr-bordeaux-light);
  color: var(--clr-white);
  box-shadow: 0 4px 14px rgba(139, 31, 52, 0.3);
}

.btn--outline {
  background: transparent;
  color: var(--clr-blue-dark);
  border-color: var(--clr-gray-200);
}
.btn--outline:hover {
  border-color: var(--clr-blue-dark);
  background: var(--clr-blue-bg);
  color: var(--clr-blue-dark);
}

.btn--white {
  background: var(--clr-white);
  color: var(--clr-blue-dark);
  border-color: var(--clr-white);
}
.btn--white:hover {
  background: var(--clr-off-white);
  box-shadow: 0 4px 14px rgba(0,0,0,0.15);
  color: var(--clr-blue-dark);
}

.btn--ghost {
  background: rgba(255,255,255,0.12);
  color: var(--clr-white);
  border-color: rgba(255,255,255,0.25);
}
.btn--ghost:hover {
  background: rgba(255,255,255,0.2);
  color: var(--clr-white);
}

.btn--sm { padding: 0.5rem 1rem; font-size: var(--fs-xs); }
.btn--lg { padding: 0.875rem 2rem; font-size: var(--fs-base); }

.btn--block { width: 100%; }

/* === Top Bar (audience selector + contact) === */

.topbar {
  height: var(--topbar-height);
  background: var(--clr-off-white);
  border-bottom: 1px solid var(--clr-gray-100);
  font-size: var(--fs-xs);
  display: flex;
  align-items: center;
}

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

.topbar__audience {
  display: flex;
  gap: 0;
}

.topbar__audience a {
  padding: 0.375rem 1rem;
  color: var(--clr-gray-500);
  font-weight: var(--fw-medium);
  border-bottom: 2px solid transparent;
  transition: all var(--transition-fast);
  margin-bottom: -1px;
}

.topbar__audience a:hover { color: var(--clr-blue-dark); }
.topbar__audience a.active {
  color: var(--clr-blue-dark);
  font-weight: var(--fw-semibold);
  border-bottom-color: var(--clr-blue-dark);
}

.topbar__contact {
  display: flex;
  align-items: center;
  gap: 1.25rem;
}

.topbar__contact a {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  color: var(--clr-gray-500);
  font-weight: var(--fw-medium);
}
.topbar__contact a:hover { color: var(--clr-blue-dark); }
.topbar__contact svg { width: 0.875rem; height: 0.875rem; }

@media (max-width: 768px) {
  .topbar { display: none; }
  :root { --header-total: var(--navbar-height); }
}

/* === Navbar === */

.navbar {
  height: var(--navbar-height);
  background: var(--clr-white);
  border-bottom: 1px solid var(--clr-gray-100);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: var(--shadow-xs);
}

.navbar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  gap: 2rem;
}

.navbar__logo img {
  height: 30px;
  width: auto;
}

.navbar__menu {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  flex: 1;
  justify-content: center;
}

.navbar__link {
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
  padding: 0.5rem 0.75rem;
  font-size: var(--fs-sm);
  font-weight: var(--fw-medium);
  color: var(--clr-gray-600);
  border-radius: var(--radius-sm);
  transition: all var(--transition-fast);
  position: relative;
}
.navbar__link:hover { color: var(--clr-blue-dark); background: var(--clr-gray-50); }
.navbar__link.active { color: var(--clr-blue-dark); font-weight: var(--fw-semibold); }

.navbar__link .chevron {
  width: 0.625rem;
  height: 0.625rem;
  transition: transform var(--transition-fast);
}

/* Dropdown */
.navbar__dropdown { position: relative; }

.navbar__dropdown-menu {
  position: absolute;
  top: calc(100% + 0.5rem);
  left: 50%;
  transform: translateX(-50%);
  min-width: 200px;
  background: var(--clr-white);
  border: 1px solid var(--clr-gray-100);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 0.375rem;
  opacity: 0;
  visibility: hidden;
  transition: all var(--transition-fast);
  z-index: 100;
}

.navbar__dropdown:hover .navbar__dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}

.navbar__dropdown:hover .chevron { transform: rotate(180deg); }

.navbar__dropdown-link {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  padding: 0.625rem 0.875rem;
  font-size: var(--fs-sm);
  color: var(--clr-gray-600);
  border-radius: var(--radius-md);
  transition: all var(--transition-fast);
}
.navbar__dropdown-link:hover {
  background: var(--clr-blue-bg);
  color: var(--clr-blue-dark);
}
.navbar__dropdown-link .icon {
  width: 1.75rem;
  height: 1.75rem;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-sm);
  background: var(--clr-gray-50);
  flex-shrink: 0;
}
.navbar__dropdown-link .icon svg { width: 0.875rem; height: 0.875rem; color: var(--clr-blue-dark); }
.navbar__dropdown-link--external::after {
  content: '↗';
  font-size: 0.7em;
  margin-left: auto;
  opacity: 0.4;
}

.navbar__actions { display: flex; align-items: center; gap: 0.75rem; }

/* Mobile toggle */
.navbar__toggle {
  display: none;
  width: 32px;
  height: 32px;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  background: none;
  border: none;
  padding: 4px;
}
.navbar__toggle span {
  display: block;
  width: 100%;
  height: 2px;
  background: var(--clr-gray-800);
  border-radius: 1px;
  transition: all var(--transition-base);
}
.navbar__toggle.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.navbar__toggle.active span:nth-child(2) { opacity: 0; }
.navbar__toggle.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

.mobile-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(26, 35, 50, 0.4);
  backdrop-filter: blur(4px);
  z-index: 998;
  opacity: 0;
  transition: opacity var(--transition-base);
}
.mobile-overlay.active { opacity: 1; }

@media (max-width: 1024px) {
  .navbar__toggle { display: flex; }

  .navbar__menu {
    position: fixed;
    top: 0;
    right: -340px;
    width: 340px;
    height: 100dvh;
    background: var(--clr-white);
    flex-direction: column;
    align-items: stretch;
    justify-content: flex-start;
    padding: 5rem 1.5rem 2rem;
    gap: 0;
    z-index: 999;
    transition: right var(--transition-base);
    overflow-y: auto;
    box-shadow: -4px 0 24px rgba(0,0,0,0.1);
  }
  .navbar__menu.open { right: 0; }
  .mobile-overlay { display: block; }

  .navbar__link {
    padding: 0.875rem 0;
    font-size: var(--fs-base);
    border-bottom: 1px solid var(--clr-gray-100);
    border-radius: 0;
  }

  .navbar__dropdown-menu {
    position: static;
    transform: none;
    box-shadow: none;
    border: none;
    opacity: 1;
    visibility: visible;
    padding: 0 0 0.5rem 0.5rem;
    border-left: 2px solid var(--clr-gray-200);
    margin-bottom: 0.5rem;
  }

  .navbar__dropdown .chevron { display: none; }
}

/* === Page Hero (short, colored) === */

.page-hero {
  background: linear-gradient(135deg, var(--clr-blue-deeper) 0%, var(--clr-blue-dark) 60%, var(--clr-blue-mid) 100%);
  padding: 3rem 0 3.5rem;
  position: relative;
  overflow: hidden;
}

.page-hero::after {
  content: '';
  position: absolute;
  top: -30%;
  right: -5%;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: rgba(74, 190, 208, 0.08);
  pointer-events: none;
}

.page-hero .breadcrumb {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: var(--fs-xs);
  color: rgba(255,255,255,0.5);
  margin-bottom: 1rem;
}
.page-hero .breadcrumb a { color: rgba(255,255,255,0.5); }
.page-hero .breadcrumb a:hover { color: var(--clr-white); }

.page-hero h1 {
  color: var(--clr-white);
  font-size: var(--fs-3xl);
  margin-bottom: 0.5rem;
}

.page-hero p {
  color: rgba(255,255,255,0.7);
  font-size: var(--fs-md);
  max-width: 34rem;
}

/* === Homepage Intro (replaces hero) === */

.home-intro {
  background: linear-gradient(135deg, var(--clr-blue-deeper) 0%, var(--clr-blue-dark) 50%, var(--clr-blue-mid) 100%);
  padding: 4rem 0 5rem;
  position: relative;
  overflow: hidden;
}

.home-intro::before {
  content: '';
  position: absolute;
  bottom: -60%;
  right: -10%;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: rgba(74, 190, 208, 0.07);
}

.home-intro::after {
  content: '';
  position: absolute;
  top: -30%;
  left: 30%;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: rgba(139, 31, 52, 0.05);
}

.home-intro__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  position: relative;
  z-index: 1;
}

.home-intro__content h1 {
  color: var(--clr-white);
  font-size: clamp(var(--fs-3xl), 4vw, var(--fs-5xl));
  margin-bottom: 1.25rem;
  line-height: 1.1;
}

.home-intro__content h1 .highlight {
  background: linear-gradient(135deg, var(--clr-blue-light), #76D7E8);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.home-intro__content p {
  color: rgba(255,255,255,0.8);
  font-size: var(--fs-md);
  line-height: 1.8;
  margin-bottom: 2rem;
  max-width: 30rem;
}

.home-intro__badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.375rem 0.875rem;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-full);
  font-size: var(--fs-xs);
  font-weight: var(--fw-medium);
  color: rgba(255,255,255,0.8);
  margin-bottom: 1.25rem;
}

.home-intro__buttons { display: flex; gap: 0.75rem; flex-wrap: wrap; }

.home-intro__image {
  position: relative;
}

.home-intro__image img {
  border-radius: var(--radius-2xl);
  box-shadow: 0 20px 60px rgba(0,0,0,0.3);
}

.home-intro__image::before {
  content: '';
  position: absolute;
  top: -1rem;
  left: -1rem;
  right: 1rem;
  bottom: 1rem;
  border: 2px solid rgba(74, 190, 208, 0.2);
  border-radius: var(--radius-2xl);
  z-index: -1;
}

.home-intro__float {
  position: absolute;
  bottom: -1.5rem;
  left: -2rem;
  background: var(--clr-white);
  border-radius: var(--radius-xl);
  padding: 1rem 1.5rem;
  box-shadow: var(--shadow-xl);
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.home-intro__float-icon {
  width: 2.5rem;
  height: 2.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--clr-blue-light), var(--clr-blue-dark));
  color: var(--clr-white);
  flex-shrink: 0;
}
.home-intro__float-icon svg { width: 1.125rem; height: 1.125rem; }

.home-intro__float strong {
  display: block;
  font-size: var(--fs-lg);
  color: var(--clr-dark);
  line-height: 1.2;
}
.home-intro__float span {
  font-size: var(--fs-xs);
  color: var(--clr-gray-500);
}

@media (max-width: 768px) {
  .home-intro { padding: 2.5rem 0 3.5rem; }
  .home-intro__grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .home-intro__image { display: none; }
  .home-intro__buttons { flex-direction: column; }
  .home-intro__buttons .btn { width: 100%; }
}

/* === Service Cards === */

.service-card {
  background: var(--clr-white);
  border-radius: var(--radius-xl);
  padding: 1.75rem;
  box-shadow: var(--shadow-card);
  transition: all var(--transition-base);
  border: 1px solid var(--clr-gray-100);
  position: relative;
  overflow: hidden;
}
.service-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-card-hover);
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--clr-blue-dark);
  transform: scaleX(0);
  transition: transform var(--transition-base);
}
.service-card:hover::before { transform: scaleX(1); }

.service-card__icon {
  width: 3rem;
  height: 3rem;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-md);
  margin-bottom: 1rem;
}
.service-card__icon svg { width: 1.25rem; height: 1.25rem; }
.service-card__icon--blue { background: var(--clr-blue-bg); color: var(--clr-blue-dark); }
.service-card__icon--bordeaux { background: var(--clr-bordeaux-bg); color: var(--clr-bordeaux); }
.service-card__icon--dark { background: rgba(13,77,110,0.06); color: var(--clr-blue-dark); }

.service-card h3 { font-size: var(--fs-lg); margin-bottom: 0.5rem; }
.service-card p { font-size: var(--fs-sm); color: var(--clr-gray-500); line-height: 1.7; margin-bottom: 1rem; }

.service-card__link {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  font-size: var(--fs-sm);
  font-weight: var(--fw-semibold);
  color: var(--clr-blue-dark);
}
.service-card__link svg { width: 0.875rem; height: 0.875rem; transition: transform var(--transition-fast); }
.service-card__link:hover { color: var(--clr-bordeaux); }
.service-card__link:hover svg { transform: translateX(3px); }

/* === Insurance Category Cards === */

.insurance-cat {
  background: var(--clr-white);
  border-radius: var(--radius-xl);
  padding: 2rem;
  box-shadow: var(--shadow-card);
  border: 1px solid var(--clr-gray-100);
  transition: all var(--transition-base);
}
.insurance-cat:hover { box-shadow: var(--shadow-card-hover); transform: translateY(-2px); }

.insurance-cat__header {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1.25rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid var(--clr-gray-100);
}

.insurance-cat__icon {
  width: 2.75rem;
  height: 2.75rem;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-md);
  flex-shrink: 0;
}
.insurance-cat__icon svg { width: 1.25rem; height: 1.25rem; }

.insurance-cat__header h3 { font-size: var(--fs-lg); }

.insurance-cat__list { display: flex; flex-direction: column; gap: 0.25rem; }

.insurance-cat__item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.625rem 0.75rem;
  border-radius: var(--radius-md);
  font-size: var(--fs-sm);
  font-weight: var(--fw-medium);
  color: var(--clr-gray-600);
  transition: all var(--transition-fast);
}
.insurance-cat__item:hover {
  background: var(--clr-blue-bg);
  color: var(--clr-blue-dark);
}
.insurance-cat__item svg { width: 0.75rem; height: 0.75rem; opacity: 0.4; }
.insurance-cat__item:hover svg { opacity: 1; }

/* === Insurance Detail Card (for overview pages) === */

.ins-card {
  background: var(--clr-white);
  border-radius: var(--radius-xl);
  padding: 1.75rem;
  box-shadow: var(--shadow-card);
  border: 1px solid var(--clr-gray-100);
  transition: all var(--transition-base);
  display: flex;
  flex-direction: column;
}
.ins-card:hover { box-shadow: var(--shadow-card-hover); transform: translateY(-3px); }

.ins-card__icon {
  width: 2.75rem;
  height: 2.75rem;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-md);
  background: var(--clr-blue-bg);
  color: var(--clr-blue-dark);
  margin-bottom: 1rem;
}
.ins-card__icon svg { width: 1.25rem; height: 1.25rem; }

.ins-card h3 { font-size: var(--fs-base); font-weight: var(--fw-semibold); margin-bottom: 0.375rem; }
.ins-card p { font-size: var(--fs-sm); color: var(--clr-gray-500); line-height: 1.65; flex: 1; margin-bottom: 1rem; }
.ins-card .btn { align-self: flex-start; }

/* === Insurance Detail Page === */

.ins-detail { }

.ins-detail__intro {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: start;
}

@media (max-width: 768px) {
  .ins-detail__intro { grid-template-columns: 1fr; }
}

.ins-detail__text h2 { margin-bottom: 1rem; }
.ins-detail__text p { color: var(--clr-gray-600); line-height: 1.8; }

.ins-detail__highlights {
  background: var(--clr-off-white);
  border-radius: var(--radius-xl);
  padding: 2rem;
  border: 1px solid var(--clr-gray-100);
}

.ins-detail__highlights h3 { font-size: var(--fs-lg); margin-bottom: 1.25rem; }

.ins-highlight {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 0.75rem 0;
}
.ins-highlight + .ins-highlight { border-top: 1px solid var(--clr-gray-200); }

.ins-highlight__check {
  width: 1.375rem;
  height: 1.375rem;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: rgba(74, 190, 208, 0.15);
  color: var(--clr-blue-mid);
  flex-shrink: 0;
  margin-top: 0.125rem;
}
.ins-highlight__check svg { width: 0.75rem; height: 0.75rem; }

.ins-highlight span {
  font-size: var(--fs-sm);
  color: var(--clr-gray-800);
  font-weight: var(--fw-medium);
}

/* Features grid for detail pages */

.feature-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
@media (max-width: 768px) { .feature-grid { grid-template-columns: 1fr; } }

.feature-card {
  text-align: center;
  padding: 2rem 1.5rem;
  background: var(--clr-white);
  border-radius: var(--radius-xl);
  border: 1px solid var(--clr-gray-100);
}

.feature-card__icon {
  width: 3.5rem;
  height: 3.5rem;
  margin: 0 auto 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--clr-blue-light), var(--clr-blue-dark));
  color: var(--clr-white);
}
.feature-card__icon svg { width: 1.25rem; height: 1.25rem; }

.feature-card h4 { margin-bottom: 0.375rem; }
.feature-card p { font-size: var(--fs-sm); color: var(--clr-gray-500); }

/* === About Grid === */

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
@media (max-width: 768px) { .about-grid { grid-template-columns: 1fr; gap: 2.5rem; } }

.about-image {
  border-radius: var(--radius-2xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.about-image img { width: 100%; object-fit: cover; transition: transform 0.6s var(--ease); }
.about-image:hover img { transform: scale(1.03); }

.stats-row {
  display: flex;
  gap: 2rem;
  margin-top: 2rem;
}

.stat__number {
  display: block;
  font-size: var(--fs-3xl);
  font-weight: var(--fw-extrabold);
  color: var(--clr-blue-dark);
  line-height: 1;
}
.stat__label {
  font-size: var(--fs-xs);
  color: var(--clr-gray-500);
  margin-top: 0.25rem;
}

/* === Gallery === */

.gallery-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
@media (max-width: 768px) { .gallery-grid { grid-template-columns: 1fr; } }

.gallery-item {
  border-radius: var(--radius-xl);
  overflow: hidden;
  aspect-ratio: 4 / 3;
  box-shadow: var(--shadow-sm);
}
.gallery-item img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.5s var(--ease); }
.gallery-item:hover img { transform: scale(1.04); }

/* === Values === */

.value-card { text-align: center; padding: 2rem 1.25rem; }
.value-card__icon {
  width: 3.5rem;
  height: 3.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--clr-blue-light), var(--clr-blue-dark));
  color: var(--clr-white);
}
.value-card__icon svg { width: 1.25rem; height: 1.25rem; }
.value-card h3 { margin-bottom: 0.375rem; font-size: var(--fs-base); }
.value-card p { font-size: var(--fs-sm); color: var(--clr-gray-500); }

/* === CTA Banner === */

.cta-banner {
  background: linear-gradient(135deg, var(--clr-blue-dark), var(--clr-blue-deeper));
  border-radius: var(--radius-2xl);
  padding: 3rem 3.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: -40%; right: -5%;
  width: 300px; height: 300px;
  border-radius: 50%;
  background: rgba(74, 190, 208, 0.08);
}
.cta-banner::after {
  content: '';
  position: absolute;
  bottom: -30%; right: 25%;
  width: 200px; height: 200px;
  border-radius: 50%;
  background: rgba(139, 31, 52, 0.06);
}
.cta-banner h2 { color: var(--clr-white); font-size: var(--fs-2xl); margin-bottom: 0.375rem; position: relative; z-index: 1; }
.cta-banner p { color: rgba(255,255,255,0.7); font-size: var(--fs-base); position: relative; z-index: 1; }
.cta-banner .btn { position: relative; z-index: 1; flex-shrink: 0; }

@media (max-width: 768px) {
  .cta-banner { flex-direction: column; text-align: center; padding: 2.5rem 2rem; }
}

/* === Contact === */

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2.5rem;
}
@media (max-width: 768px) { .contact-grid { grid-template-columns: 1fr; } }

.contact-form {
  background: var(--clr-white);
  border-radius: var(--radius-xl);
  padding: 2rem;
  box-shadow: var(--shadow-card);
  border: 1px solid var(--clr-gray-100);
}

.form-group { margin-bottom: 1rem; }
.form-group label {
  display: block;
  font-size: var(--fs-sm);
  font-weight: var(--fw-medium);
  color: var(--clr-dark);
  margin-bottom: 0.25rem;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.625rem 0.875rem;
  font-family: var(--ff);
  font-size: var(--fs-sm);
  color: var(--clr-gray-800);
  background: var(--clr-gray-50);
  border: 1.5px solid var(--clr-gray-200);
  border-radius: var(--radius-md);
  transition: all var(--transition-fast);
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--clr-blue-light);
  background: var(--clr-white);
  box-shadow: 0 0 0 3px rgba(74,190,208,0.12);
}
.form-group textarea { resize: vertical; min-height: 100px; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
@media (max-width: 640px) { .form-row { grid-template-columns: 1fr; } }

.contact-info-card {
  background: var(--clr-off-white);
  border-radius: var(--radius-xl);
  padding: 1.75rem;
  margin-bottom: 1.25rem;
  border: 1px solid var(--clr-gray-100);
}

.contact-info-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 0.625rem 0;
}
.contact-info-item + .contact-info-item { border-top: 1px solid var(--clr-gray-200); }

.contact-info-item__icon {
  width: 2.25rem;
  height: 2.25rem;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-sm);
  background: var(--clr-white);
  color: var(--clr-blue-dark);
  flex-shrink: 0;
  box-shadow: var(--shadow-xs);
}
.contact-info-item__icon svg { width: 1rem; height: 1rem; }
.contact-info-item strong { display: block; font-size: var(--fs-sm); font-weight: var(--fw-semibold); color: var(--clr-dark); }
.contact-info-item span,
.contact-info-item a { font-size: var(--fs-sm); color: var(--clr-gray-500); }

.hours-table { width: 100%; border-collapse: collapse; }
.hours-table tr { border-bottom: 1px solid var(--clr-gray-100); }
.hours-table tr:last-child { border-bottom: none; }
.hours-table td { padding: 0.5rem 0; font-size: var(--fs-sm); }
.hours-table td:first-child { font-weight: var(--fw-semibold); color: var(--clr-dark); width: 40%; }
.hours-table td:last-child { color: var(--clr-gray-500); }
.hours-table .closed { color: var(--clr-bordeaux); }
.hours-note {
  font-size: var(--fs-xs);
  color: var(--clr-gray-500);
  margin-top: 0.625rem;
  padding-top: 0.625rem;
  border-top: 1px solid var(--clr-gray-100);
}

.map-container {
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  aspect-ratio: 21 / 9;
}
.map-container iframe { width: 100%; height: 100%; border: 0; }

/* === Footer === */

.footer {
  background: var(--clr-dark);
  color: rgba(255,255,255,0.65);
  padding: 3.5rem 0 0;
}

.footer__grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 2.5rem;
  padding-bottom: 2.5rem;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
@media (max-width: 768px) { .footer__grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .footer__grid { grid-template-columns: 1fr; } }

.footer__brand img { height: 28px; margin-bottom: 0.875rem; filter: brightness(0) invert(1); }
.footer__brand p { font-size: var(--fs-sm); line-height: 1.7; max-width: 260px; }

.footer h4 {
  color: var(--clr-white);
  font-size: var(--fs-xs);
  font-weight: var(--fw-bold);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 1rem;
}

.footer__links li + li { margin-top: 0.375rem; }
.footer__links a { font-size: var(--fs-sm); color: rgba(255,255,255,0.55); }
.footer__links a:hover { color: var(--clr-blue-light); }

.footer__contact-item {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  font-size: var(--fs-sm);
}
.footer__contact-item + .footer__contact-item { margin-top: 0.5rem; }
.footer__contact-item svg { width: 0.875rem; height: 0.875rem; flex-shrink: 0; margin-top: 0.2rem; color: var(--clr-blue-light); }

.footer__bottom {
  padding: 1.25rem 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 0.75rem;
  font-size: var(--fs-xs);
}
.footer__bottom a { color: rgba(255,255,255,0.4); }
.footer__bottom a:hover { color: var(--clr-blue-light); }

/* === Scroll Reveal === */

.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s var(--ease), transform 0.6s var(--ease);
}
.reveal--left { transform: translateX(-24px); }
.reveal--right { transform: translateX(24px); }
.reveal.visible { opacity: 1; transform: none; }
.reveal-delay-1 { transition-delay: 0.08s; }
.reveal-delay-2 { transition-delay: 0.16s; }
.reveal-delay-3 { transition-delay: 0.24s; }
.reveal-delay-4 { transition-delay: 0.32s; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; }
}

/* === Responsive === */

@media (max-width: 768px) {
  :root {
    --fs-4xl: 2rem;
    --fs-3xl: 1.625rem;
    --fs-2xl: 1.375rem;
  }
  .section { padding: 3rem 0; }
  .section--lg { padding: 4rem 0; }
  .cta-banner { padding: 2rem 1.5rem; }
  .stats-row { gap: 1.25rem; flex-wrap: wrap; }
  .page-hero { padding: 2rem 0 2.5rem; }
}

@media (max-width: 480px) {
  .stats-row { justify-content: center; }
}