/* ===== 360 DEGREE INSURANCE SOLUTIONS — SHARED STYLES ===== */
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:Georgia,serif;background:#fff;color:#333;min-height:100vh;display:flex;flex-direction:column}
main{flex:1}
a{color:inherit;text-decoration:none}

/* Colors */
:root{
  --navy:#0D2D6E;
  --gold:#fad02c;
  --gold-light:#fff8d6;
  --light-gray:#F7F8FA;
  --border:#dde3ee;
  --text-light:#c8d8f0;
}

/* Buttons */
.btn-gold{display:inline-block;background:var(--gold);color:var(--navy);font-weight:700;padding:13px 28px;border-radius:6px;font-size:14px;cursor:pointer;border:none;font-family:Georgia,serif;text-align:center;transition:opacity 0.2s}
.btn-gold:hover{opacity:0.88}
.btn-navy{display:inline-block;background:var(--navy);color:#fff;font-weight:700;padding:13px 28px;border-radius:6px;font-size:14px;cursor:pointer;border:none;font-family:Georgia,serif;text-align:center;transition:opacity 0.2s}
.btn-navy:hover{opacity:0.88}

/* Typography */
h1{font-size:38px;font-weight:700;line-height:1.2}
h2{font-size:28px;font-weight:700;color:var(--navy);text-align:center}
h3{font-size:17px;font-weight:700;color:var(--navy)}
p{font-size:15px;line-height:1.75;color:#444}
.center{text-align:center}
.divider{width:60px;height:3px;background:var(--gold);margin:12px auto 28px}
.divider-left{width:60px;height:3px;background:var(--gold);margin:12px 0 24px}
.tag{display:inline-block;background:#E6F1FB;color:var(--navy);font-size:11px;font-weight:700;padding:4px 12px;border-radius:20px;margin-bottom:10px;letter-spacing:0.3px}

/* Layout */
.container{max-width:1100px;margin:0 auto;padding:0 40px}
section{padding:64px 0}
.section-wrap{padding:64px 40px}

/* Top bar */
.topbar{background:var(--navy);padding:10px 40px}
.topbar-inner{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:6px}
.topbar span{color:#fff;font-size:13px}
.topbar strong{color:var(--gold)}
.topbar a{color:#ccc;font-size:13px}
.topbar a:hover{color:var(--gold)}

/* Header */
.site-header{background:var(--gold);padding:14px 40px;border-bottom:3px solid var(--navy);display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px}
.logo-wrap{display:flex;align-items:center;gap:14px}
.logo-text-main{font-size:20px;font-weight:900;color:var(--navy);letter-spacing:-0.5px;text-transform:uppercase;line-height:1.1}
.logo-tagline{font-size:9px;color:var(--navy);letter-spacing:2px;text-transform:uppercase;margin-top:3px}
.header-right{display:flex;gap:12px;align-items:center;flex-wrap:wrap}
.lic-badge{font-size:13px;color:var(--navy);font-weight:700}

/* Navigation */
.site-nav{background:var(--navy);border-bottom:3px solid var(--gold);position:sticky;top:0;z-index:999}
.site-nav ul{list-style:none;display:flex;overflow-x:auto;scrollbar-width:none;padding:0 24px}
.site-nav ul::-webkit-scrollbar{display:none}
.site-nav ul li a{display:block;color:rgba(255,255,255,0.8);font-size:13px;font-weight:700;padding:15px 18px;white-space:nowrap;border-bottom:3px solid transparent;margin-bottom:-3px;transition:color 0.2s,border-color 0.2s}
.site-nav ul li a:hover,.site-nav ul li a.active{color:var(--gold);border-bottom-color:var(--gold)}

/* Page hero banners */
.page-hero{background:var(--navy);padding:56px 40px;text-align:center}
.page-hero h1{color:#fff;font-size:34px;margin-bottom:12px}
.page-hero p{color:var(--text-light);font-size:16px;max-width:580px;margin:0 auto}

/* Cards */
.card{background:#fff;border:1px solid var(--border);border-radius:12px;padding:28px 24px}
.card-blue{background:rgba(255,255,255,0.07);border-radius:12px;padding:28px;border:1px solid rgba(255,255,255,0.15)}
.part-card{background:#F0F5FF;border-radius:10px;padding:22px;border-left:4px solid var(--navy)}
.enroll-card{background:#fff;border:1px solid var(--border);border-radius:10px;padding:20px;margin-bottom:16px}

/* Grids */
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}

/* Check list */
.check{display:flex;gap:12px;align-items:flex-start;margin-bottom:12px}
.check-icon{width:22px;height:22px;border-radius:50%;background:var(--gold);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px}

/* Icon circle */
.icon-circle{width:64px;height:64px;border-radius:50%;background:#E6F1FB;display:flex;align-items:center;justify-content:center;margin:0 auto 16px}

/* Forms */
input[type=text],input[type=email],input[type=tel],select,textarea{width:100%;padding:12px 14px;border:1px solid var(--border);border-radius:6px;font-size:14px;font-family:Georgia,serif;background:#fff;color:#333;margin-bottom:12px;outline:none}
input:focus,select:focus,textarea:focus{border-color:var(--navy)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.form-dark input,.form-dark select,.form-dark textarea{background:rgba(255,255,255,0.1);border-color:rgba(255,255,255,0.25);color:#fff}
.form-dark input::placeholder,.form-dark textarea::placeholder{color:rgba(255,255,255,0.5)}

/* Supplemental card highlights */
.supp-highlight{margin-top:14px;padding-top:14px;border-top:1px solid #eee}
.supp-highlight .hl-label{font-size:13px;font-weight:700;color:var(--navy);margin-bottom:8px}
.supp-highlight .check p{font-size:13px;color:#555}

/* About traits */
.trait{display:flex;align-items:center;gap:10px;margin-bottom:13px}
.trait-dot{width:10px;height:10px;background:var(--gold);border-radius:50%;flex-shrink:0}

/* Testimonial carousel */
.testi-wrap{overflow:hidden;position:relative}
.testi-track{display:flex;gap:24px;transition:transform 0.5s ease}
.testi-card{background:#fff;border-radius:12px;padding:28px 24px 20px;border:1px solid var(--border);position:relative;min-width:320px;max-width:320px;flex-shrink:0}
.testi-card::before{content:'\201C';font-size:60px;color:var(--gold);position:absolute;top:4px;left:16px;line-height:1;font-family:Georgia,serif}
.testi-card p{padding-top:32px;font-size:14px;line-height:1.75;color:#555;font-style:italic}
.testi-name{margin-top:14px;font-weight:700;font-size:13px;color:var(--navy)}
.testi-type{font-size:11px;color:#888;margin-top:2px}
.testi-nav{display:flex;justify-content:center;gap:12px;margin-top:28px;align-items:center}
.testi-btn{width:36px;height:36px;border-radius:50%;background:var(--navy);border:none;cursor:pointer;display:flex;align-items:center;justify-content:center}
.testi-btn:hover{background:var(--gold)}
.testi-dots{display:flex;gap:6px;align-items:center}
.testi-dot{width:8px;height:8px;border-radius:50%;background:var(--border);border:none;cursor:pointer;padding:0;transition:background 0.2s}
.testi-dot.active{background:var(--navy)}
.group-tabs{display:flex;gap:10px;justify-content:center;flex-wrap:wrap;margin-bottom:24px}
.group-tab{background:var(--navy);color:var(--gold);font-size:11px;font-weight:700;padding:7px 18px;border-radius:20px;letter-spacing:0.5px;text-transform:uppercase;cursor:pointer;border:none;font-family:Georgia,serif;opacity:0.45;transition:opacity 0.2s}
.group-tab.active{opacity:1}

/* FAQ */
.faq-item{border-bottom:1px solid #eee}
.faq-q{width:100%;background:none;border:none;text-align:left;padding:18px 0;font-family:Georgia,serif;font-size:15px;font-weight:700;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:12px}
.faq-arrow{width:24px;height:24px;background:var(--gold);border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:transform 0.25s}
.faq-a{max-height:0;overflow:hidden;transition:max-height 0.35s ease}
.faq-a p{padding-bottom:18px;font-size:14px;color:#555}
.faq-item.open .faq-arrow{transform:rotate(180deg)}
.faq-item.open .faq-a{max-height:400px}

/* Footer */
.site-footer{background:var(--navy);padding:48px 40px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px;margin-bottom:32px}
.footer-logo{font-size:16px;font-weight:700;color:#fff;margin-bottom:10px}
.footer-tagline{color:var(--text-light);font-size:13px;line-height:1.8}
.footer-lic{color:var(--gold);font-size:12px;font-weight:700;margin-top:12px}
.footer-col-title{font-size:12px;font-weight:700;color:var(--gold);text-transform:uppercase;letter-spacing:0.8px;margin-bottom:12px}
.footer-col p{color:var(--text-light);font-size:13px;line-height:2}
.footer-col a{color:var(--text-light);font-size:13px}
.footer-col a:hover{color:var(--gold)}
.footer-disc{font-size:11px;color:rgba(255,255,255,0.38);line-height:1.7;border-top:1px solid rgba(255,255,255,0.1);padding-top:20px}
.footer-disc p{font-size:11px;color:rgba(255,255,255,0.38);margin-bottom:6px}

/* Background helpers */
.bg-navy{background:var(--navy)}
.bg-white{background:#fff}
.bg-gray{background:var(--light-gray)}
.bg-gold{background:var(--gold)}

/* CTA strip */
.cta-strip{background:var(--gold);padding:40px;text-align:center}
.cta-strip h3{color:var(--navy);font-size:22px;margin-bottom:10px}
.cta-strip p{color:var(--navy);font-size:14px;margin-bottom:20px;opacity:0.8}

/* Mobile */
@media(max-width:768px){
  .grid2,.grid3,.grid4{grid-template-columns:1fr}
  .form-row{grid-template-columns:1fr}
  .section-wrap,.topbar,.site-header,.page-hero{padding-left:20px;padding-right:20px}
  .container{padding:0 20px}
  section{padding:48px 0}
  .site-nav ul{padding:0 8px}
  .site-nav ul li a{padding:13px 12px;font-size:12px}
  .footer-grid{grid-template-columns:1fr}
  .testi-card{min-width:280px;max-width:280px}
  h1{font-size:28px}
  h2{font-size:24px}
}

/* Page illustrations */
.page-img{width:100%;max-height:340px;object-fit:cover;border-radius:14px;display:block}
.illus-wrap{border-radius:14px;overflow:hidden;line-height:0;box-shadow:0 8px 32px rgba(13,45,110,0.13)}
.illus-wrap svg{display:block;width:100%;height:auto}

/* Consultation form panel */
.consult-panel{background:#F0F5FF;border-radius:14px;padding:36px;border:1px solid #c8d8f0}
.consult-panel h3{margin-bottom:6px}

/* Stat bar */
.stat-bar{display:flex;gap:0;flex-wrap:wrap}
.stat-item{flex:1;min-width:160px;padding:28px 24px;text-align:center;border-right:1px solid rgba(255,255,255,0.12)}
.stat-item:last-child{border-right:none}
.stat-num{font-size:34px;font-weight:700;color:var(--gold);line-height:1}
.stat-label{font-size:13px;color:var(--text-light);margin-top:6px}

/* Event card */
.event-card{background:#fff;border-radius:12px;padding:24px;border-left:4px solid var(--gold);box-shadow:0 2px 12px rgba(13,45,110,0.07)}