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

        :root {
            --primary: #0F766E;
            --primary-light: #14B8A6;
            --primary-lighter: #2DD4BF;
            --bg-light: #F0FDFA;
            --primary-dark: #134E4A;
            --white: #FFFFFF;
            --black: #022c22;
            --gray-50: #f8fafc;
            --gray-100: #f1f5f9;
            --gray-200: #e2e8f0;
            --gray-300: #cbd5e1;
            --gray-400: #94a3b8;
            --gray-500: #64748b;
            --gray-600: #475569;
            --gray-700: #334155;
            --gray-800: #1e293b;
            --radius-sm: 12px;
            --radius-md: 20px;
            --radius-lg: 28px;
            --radius-xl: 40px;
            --shadow-sm: 0 2px 8px rgba(15,118,110,0.08);
            --shadow-md: 0 8px 30px rgba(15,118,110,0.12);
            --shadow-lg: 0 20px 60px rgba(15,118,110,0.15);
            --shadow-glow: 0 0 40px rgba(20,184,166,0.3);
            --transition: all 0.4s cubic-bezier(0.25, 0.46, 0.45, 0.94);
        }

        html { scroll-behavior: smooth; }

        body {
            font-family: 'Inter', sans-serif;
            color: var(--gray-700);
            background: var(--white);
            overflow-x: hidden;
            line-height: 1.7;
        }

        .nav-links li{
            margin-left:25px !important;
        }

        h1, h2, h3, h4, h5, h6 { font-family: 'Poppins', sans-serif; color: var(--primary-dark); line-height: 1.2; }

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

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

        .container { max-width: 1240px; margin: 0 auto; padding: 0 24px; }

        /* --- BUTTONS --- */
        .btn {
            display: inline-flex; align-items: center; gap: 10px;
            padding: 16px 36px; border-radius: 50px; font-weight: 600;
            font-size: 15px; cursor: pointer; transition: var(--transition);
            border: none; font-family: 'Poppins', sans-serif; letter-spacing: 0.02em;
            position: relative; overflow: hidden;
        }
        .btn-primary {
            background: linear-gradient(135deg, var(--primary), var(--primary-light));
            color: var(--white); box-shadow: 0 8px 30px rgba(15,118,110,0.35);
        }
        .btn-primary:hover {
            transform: translateY(-3px); box-shadow: 0 12px 40px rgba(15,118,110,0.5);
        }
        .btn-outline {
            background: transparent; color: var(--white);
            border: 2px solid rgba(255,255,255,0.5);
        }
        .btn-outline:hover {
            background: var(--white); color: var(--primary-dark);
            border-color: var(--white); transform: translateY(-3px);
        }
        .btn-outline-dark {
            background: transparent; color: var(--primary);
            border: 2px solid var(--primary);
        }
        .btn-outline-dark:hover {
            background: var(--primary); color: var(--white);
            transform: translateY(-3px); box-shadow: 0 8px 30px rgba(15,118,110,0.35);
        }
        .btn-white {
            background: var(--white); color: var(--primary-dark);
            box-shadow: 0 8px 30px rgba(0,0,0,0.1);
        }
        .btn-white:hover {
            transform: translateY(-3px); box-shadow: 0 12px 40px rgba(0,0,0,0.15);
        }
        .btn-lg { padding: 20px 44px; font-size: 16px; }

        /* --- SECTION STYLES --- */
        .section-badge {
            display: inline-flex; align-items: center; gap: 8px;
            background: linear-gradient(135deg, rgba(15,118,110,0.1), rgba(20,184,166,0.1));
            color: var(--primary); padding: 8px 20px; border-radius: 50px;
            font-size: 13px; font-weight: 600; letter-spacing: 0.08em;
            text-transform: uppercase; margin-bottom: 20px;
            border: 1px solid rgba(20,184,166,0.2);
        }
        .section-title {
            font-size: clamp(32px, 5vw, 52px); font-weight: 700;
            margin-bottom: 20px; color: var(--primary-dark);
        }
        .section-subtitle {
            font-size: 18px; color: var(--gray-500); max-width: 640px;
            margin: 0 auto 60px; line-height: 1.8;
        }
        .text-center { text-align: center; }

        /* --- GLASSMORPHISM --- */
        .glass {
            background: rgba(255,255,255,0.7); backdrop-filter: blur(20px);
            -webkit-backdrop-filter: blur(20px);
            border: 1px solid rgba(255,255,255,0.4);
        }
        .glass-dark {
            background: rgba(19,78,74,0.85); backdrop-filter: blur(20px);
            -webkit-backdrop-filter: blur(20px);
            border: 1px solid rgba(255,255,255,0.1);
        }

        /* --- FLOATING ELEMENTS --- */
        .float-circle {
            position: absolute; border-radius: 50%; pointer-events: none;
            background: linear-gradient(135deg, rgba(20,184,166,0.15), rgba(15,118,110,0.08));
            filter: blur(1px);
        }
        .float-circle-1 { width: 400px; height: 400px; top: -100px; right: -150px; animation: floatSlow 8s ease-in-out infinite; }
        .float-circle-2 { width: 250px; height: 250px; bottom: -80px; left: -80px; animation: floatSlow 10s ease-in-out infinite reverse; }
        .float-circle-3 { width: 180px; height: 180px; top: 40%; left: 10%; animation: floatSlow 12s ease-in-out infinite; }

        @keyframes floatSlow {
            0%, 100% { transform: translateY(0) rotate(0deg); }
            50% { transform: translateY(-30px) rotate(5deg); }
        }
        @keyframes floatMedium {
            0%, 100% { transform: translateY(0) scale(1); }
            50% { transform: translateY(-20px) scale(1.05); }
        }
        @keyframes pulse-glow {
            0%, 100% { box-shadow: 0 0 20px rgba(20,184,166,0.2); }
            50% { box-shadow: 0 0 40px rgba(20,184,166,0.4); }
        }
        @keyframes slideUp {
            from { opacity: 0; transform: translateY(40px); }
            to { opacity: 1; transform: translateY(0); }
        }
        @keyframes slideDown {
            from { opacity: 0; transform: translateY(-30px); }
            to { opacity: 1; transform: translateY(0); }
        }
        @keyframes fadeIn {
            from { opacity: 0; }
            to { opacity: 1; }
        }
        @keyframes scaleIn {
            from { opacity: 0; transform: scale(0.9); }
            to { opacity: 1; transform: scale(1); }
        }

        .reveal { opacity: 0; transform: translateY(40px); transition: all 0.8s cubic-bezier(0.25,0.46,0.45,0.94); }
        .reveal.active { opacity: 1; transform: translateY(0); }
        .reveal-left { opacity: 0; transform: translateX(-40px); transition: all 0.8s cubic-bezier(0.25,0.46,0.45,0.94); }
        .reveal-left.active { opacity: 1; transform: translateX(0); }
        .reveal-right { opacity: 0; transform: translateX(40px); transition: all 0.8s cubic-bezier(0.25,0.46,0.45,0.94); }
        .reveal-right.active { opacity: 1; transform: translateX(0); }
        .reveal-scale { opacity: 0; transform: scale(0.9); transition: all 0.8s cubic-bezier(0.25,0.46,0.45,0.94); }
        .reveal-scale.active { opacity: 1; transform: scale(1); }

        /* =========================================
           NAVIGATION
        ========================================= */
        .navbar {
            position: fixed; top: 0; left: 0; width: 100%; z-index: 1000;
            padding: 16px 0; transition: var(--transition);
        }
        .navbar.scrolled {
            background: rgba(255,255,255,0.92); backdrop-filter: blur(24px);
            -webkit-backdrop-filter: blur(24px);
            box-shadow: 0 4px 30px rgba(0,0,0,0.08); padding: 10px 0;
        }
        .navbar .container {
            display: flex; align-items: center; justify-content: space-between;
        }
        .nav-logo {
            display: flex; align-items: center; gap: 12px;
            font-family: 'Poppins', sans-serif; font-weight: 700;
            font-size: 22px; color: var(--white); transition: var(--transition);
        }
        .navbar.scrolled .nav-logo { color: var(--primary-dark); }
        .nav-logo-icon {
            width: 44px; height: 44px; border-radius: var(--radius-sm);
            background: linear-gradient(135deg, var(--primary), var(--primary-light));
            display: flex; align-items: center; justify-content: center;
            color: var(--white); font-size: 20px;
        }
        .nav-links { display: flex; align-items: center; gap: 32px; list-style: none; }
        .nav-links a {
            font-size: 15px; font-weight: 500; color: rgba(255,255,255,0.85);
            position: relative; padding: 4px 0;
        }
        .nav-links a::after {
            content: ''; position: absolute; bottom: -2px; left: 0;
            width: 0; height: 2px; background: var(--primary-light);
            transition: var(--transition); border-radius: 2px;
        }
        .nav-links a:hover::after, .nav-links a.active::after { width: 100%; }
        .navbar.scrolled .nav-links a { color: var(--gray-600); }
        .navbar.scrolled .nav-links a:hover { color: var(--primary); }
        .nav-cta {
            padding: 12px 28px !important; font-size: 14px !important;
        }
        .mobile-toggle {
            display: none; flex-direction: column; gap: 5px; cursor: pointer;
            background: none; border: none; padding: 8px;
        }
        .mobile-toggle span {
            width: 24px; height: 2px; background: var(--white);
            transition: var(--transition); border-radius: 2px;
        }
        .navbar.scrolled .mobile-toggle span { background: var(--primary-dark); }
        .mobile-toggle.active span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
        .mobile-toggle.active span:nth-child(2) { opacity: 0; }
        .mobile-toggle.active span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }

        .mobile-menu {
            display: none; position: fixed; top: 0; left: 0; width: 100%; height: 100vh;
            background: rgba(19,78,74,0.97); backdrop-filter: blur(24px);
            z-index: 999; flex-direction: column; align-items: center;
            justify-content: center; gap: 28px; opacity: 0; pointer-events: none;
            transition: var(--transition);
        }
        .mobile-menu.active { opacity: 1; pointer-events: all; }
        .mobile-menu a {
            font-family: 'Poppins', sans-serif; font-size: 24px; font-weight: 600;
            color: var(--white); opacity: 0; transform: translateY(20px);
            transition: var(--transition);
        }
        .mobile-menu.active a {
            opacity: 1; transform: translateY(0);
        }
        .mobile-menu.active a:nth-child(1) { transition-delay: 0.1s; }
        .mobile-menu.active a:nth-child(2) { transition-delay: 0.15s; }
        .mobile-menu.active a:nth-child(3) { transition-delay: 0.2s; }
        .mobile-menu.active a:nth-child(4) { transition-delay: 0.25s; }
        .mobile-menu.active a:nth-child(5) { transition-delay: 0.3s; }
        .mobile-menu.active a:nth-child(6) { transition-delay: 0.35s; }
        .mobile-menu.active a:nth-child(7) { transition-delay: 0.4s; }

        /* =========================================
           HERO SECTION
        ========================================= */
        .hero {
            position: relative; min-height: 100vh; display: flex; align-items: center;
            background: linear-gradient(160deg, var(--primary-dark) 0%, var(--primary) 40%, var(--primary-light) 100%);
            overflow: hidden; padding: 120px 0 80px;
        }
        .hero-bg-img {
            position: absolute; inset: 0; z-index: 0;
        }
        .hero-bg-img img {
            width: 100%; height: 100%; object-fit: cover; opacity: 0.2;
        }
        .hero-overlay {
            position: absolute; inset: 0;
            background: linear-gradient(160deg, rgba(19,78,74,0.92), rgba(15,118,110,0.85));
            z-index: 1;
        }
        .hero .container { position: relative; z-index: 2; }
        .hero-grid {
            display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center;
        }
        .hero-content { animation: slideUp 1s ease-out; }
        .hero-badge {
            display: inline-flex; align-items: center; gap: 8px;
            background: rgba(255,255,255,0.15); backdrop-filter: blur(10px);
            border: 1px solid rgba(255,255,255,0.2);
            color: var(--white); padding: 10px 22px; border-radius: 50px;
            font-size: 13px; font-weight: 600; margin-bottom: 28px;
            letter-spacing: 0.05em;
        }
        .hero-badge i { color: var(--primary-lighter); }
        .hero h1 {
            font-size: clamp(40px, 6vw, 68px); font-weight: 800;
            color: var(--white); margin-bottom: 24px; line-height: 1.08;
            letter-spacing: -0.02em;
        }
        .hero h1 span {
            background: linear-gradient(135deg, var(--primary-lighter), #5eead4);
            -webkit-background-clip: text; -webkit-text-fill-color: transparent;
            background-clip: text;
        }
        .hero-desc {
            font-size: 18px; color: rgba(255,255,255,0.8); line-height: 1.8;
            margin-bottom: 40px; max-width: 520px;
        }
        .hero-btns { display: flex; gap: 16px; flex-wrap: wrap; }
        .hero-stats {
            display: flex; gap: 40px; margin-top: 48px;
            padding-top: 32px; border-top: 1px solid rgba(255,255,255,0.15);
        }
        .hero-stat h3 {
            font-size: 36px; font-weight: 700; color: var(--white);
        }
        .hero-stat p {
            font-size: 14px; color: rgba(255,255,255,0.65); margin-top: 4px;
        }
        .hero-visual {
            position: relative; animation: slideUp 1s ease-out 0.3s both;
        }
        .hero-img-main {
            border-radius: var(--radius-lg); overflow: hidden;
            box-shadow: 0 30px 80px rgba(0,0,0,0.3);
            position: relative;
        }
        .hero-img-main img {
            width: 100%; height: 480px; object-fit: cover;
        }
        .hero-float-card {
            position: absolute; padding: 16px 22px; border-radius: var(--radius-md);
            background: rgba(255,255,255,0.95); backdrop-filter: blur(20px);
            box-shadow: 0 12px 40px rgba(0,0,0,0.15); animation: floatMedium 4s ease-in-out infinite;
        }
        .hero-float-card-1 { top: -20px; right: -30px; }
        .hero-float-card-2 { bottom: 30px; left: -30px; animation-delay: 2s; }
        .hero-float-card .hfc-icon {
            width: 40px; height: 40px; border-radius: 12px;
            background: linear-gradient(135deg, var(--primary), var(--primary-light));
            display: flex; align-items: center; justify-content: center;
            color: var(--white); font-size: 18px; margin-bottom: 8px;
        }
        .hero-float-card h4 { font-size: 14px; font-weight: 700; color: var(--primary-dark); }
        .hero-float-card p { font-size: 12px; color: var(--gray-500); }

        /* =========================================
           ABOUT SECTION
        ========================================= */
        .about { padding: 120px 0; background: var(--bg-light); position: relative; overflow: hidden; }
        .about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
        .about-img-wrap { position: relative; }
        .about-img-main {
            border-radius: var(--radius-lg); overflow: hidden;
            box-shadow: var(--shadow-lg);
        }
        .about-img-main img { width: 100%; height: 500px; object-fit: cover; }
        .about-img-float {
            position: absolute; bottom: -30px; right: -30px;
            width: 200px; height: 200px; border-radius: var(--radius-md);
            overflow: hidden; border: 5px solid var(--white);
            box-shadow: var(--shadow-md);
        }
        .about-img-float img { width: 100%; height: 100%; object-fit: cover; }
        .about-exp-badge {
            position: absolute; top: 30px; left: -20px;
            background: linear-gradient(135deg, var(--primary), var(--primary-light));
            color: var(--white); padding: 20px 24px; border-radius: var(--radius-md);
            text-align: center; box-shadow: var(--shadow-md); animation: pulse-glow 3s ease-in-out infinite;
        }
        .about-exp-badge h3 { font-size: 36px; font-weight: 800; color: var(--white); }
        .about-exp-badge p { font-size: 12px; font-weight: 600; letter-spacing: 0.05em; }
        .about-content h2 { margin-bottom: 24px; }
        .about-content > p { margin-bottom: 32px; color: var(--gray-500); line-height: 1.8; }
        .about-values { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 36px; }
        .about-value {
            display: flex; align-items: flex-start; gap: 14px;
            padding: 16px; border-radius: var(--radius-sm);
            background: var(--white); border: 1px solid var(--gray-200);
            transition: var(--transition);
        }
        .about-value:hover { border-color: var(--primary-light); box-shadow: var(--shadow-sm); transform: translateY(-2px); }
        .about-value-icon {
            width: 36px; height: 36px; border-radius: 10px; flex-shrink: 0;
            background: linear-gradient(135deg, rgba(15,118,110,0.1), rgba(20,184,166,0.1));
            display: flex; align-items: center; justify-content: center;
            color: var(--primary); font-size: 14px;
        }
        .about-value h4 { font-size: 14px; font-weight: 700; color: var(--primary-dark); margin-bottom: 2px; }
        .about-value p { font-size: 13px; color: var(--gray-500); line-height: 1.5; }

        /* =========================================
           MILESTONES
        ========================================= */
        .milestones {
            padding: 80px 0;
            background: linear-gradient(135deg, var(--primary-dark), var(--primary));
            position: relative; overflow: hidden;
        }
        .milestones .float-circle { background: linear-gradient(135deg, rgba(255,255,255,0.08), rgba(255,255,255,0.03)); }
        .milestones-grid {
            display: grid; grid-template-columns: repeat(4, 1fr); gap: 40px;
            position: relative; z-index: 2;
        }
        .milestone-item { text-align: center; color: var(--white); }
        .milestone-icon {
            width: 64px; height: 64px; border-radius: 20px; margin: 0 auto 20px;
            background: rgba(255,255,255,0.12); backdrop-filter: blur(10px);
            display: flex; align-items: center; justify-content: center;
            font-size: 26px; color: var(--primary-lighter); border: 1px solid rgba(255,255,255,0.15);
        }
        .milestone-number {
            font-family: 'Poppins', sans-serif; font-size: 48px; font-weight: 800;
            margin-bottom: 4px; background: linear-gradient(135deg, var(--white), var(--primary-lighter));
            -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
        }
        .milestone-label { font-size: 15px; color: rgba(255,255,255,0.7); font-weight: 500; }

        /* =========================================
           WHY CHOOSE US / FEATURES
        ========================================= */
        .features { padding: 120px 0; background: var(--white); position: relative; overflow: hidden; }
        .features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
        .feature-card {
            padding: 40px 32px; border-radius: var(--radius-md);
            background: var(--bg-light); border: 1px solid transparent;
            transition: var(--transition); position: relative; overflow: hidden;
        }
        .feature-card::before {
            content: ''; position: absolute; top: 0; left: 0; width: 100%; height: 4px;
            background: linear-gradient(90deg, var(--primary), var(--primary-light));
            opacity: 0; transition: var(--transition);
        }
        .feature-card:hover {
            border-color: rgba(20,184,166,0.2); box-shadow: var(--shadow-md);
            transform: translateY(-8px);
        }
        .feature-card:hover::before { opacity: 1; }
        .feature-icon {
            width: 60px; height: 60px; border-radius: 18px; margin-bottom: 24px;
            background: linear-gradient(135deg, var(--primary), var(--primary-light));
            display: flex; align-items: center; justify-content: center;
            color: var(--white); font-size: 24px; transition: var(--transition);
        }
        .feature-card:hover .feature-icon { transform: scale(1.1) rotate(5deg); }
        .feature-card h3 { font-size: 20px; font-weight: 700; margin-bottom: 12px; }
        .feature-card p { font-size: 15px; color: var(--gray-500); line-height: 1.7; }

        /* =========================================
           WORK PROCESS
        ========================================= */
        .process { padding: 120px 0; background: var(--bg-light); position: relative; overflow: hidden; }
        .process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; position: relative; }
        .process-line {
            position: absolute; top: 52px; left: 12%; right: 12%; height: 3px;
            background: linear-gradient(90deg, var(--primary), var(--primary-light));
            z-index: 0; border-radius: 3px;
        }
        .process-step { text-align: center; position: relative; z-index: 1; }
        .process-num {
            width: 72px; height: 72px; border-radius: 50%; margin: 0 auto 24px;
            background: linear-gradient(135deg, var(--primary), var(--primary-light));
            display: flex; align-items: center; justify-content: center;
            font-family: 'Poppins', sans-serif; font-size: 24px; font-weight: 800;
            color: var(--white); box-shadow: 0 8px 30px rgba(15,118,110,0.3);
            transition: var(--transition);
        }
        .process-step:hover .process-num { transform: scale(1.15); box-shadow: var(--shadow-glow); }
        .process-step h3 { font-size: 18px; font-weight: 700; margin-bottom: 10px; }
        .process-step p { font-size: 14px; color: var(--gray-500); line-height: 1.7; padding: 0 10px; }

        /* =========================================
           SERVICES
        ========================================= */
        .services { padding: 120px 0; background: var(--white); position: relative; overflow: hidden; }
        .services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
        .service-card {
            border-radius: var(--radius-md); overflow: hidden;
            background: var(--white); border: 1px solid var(--gray-200);
            transition: var(--transition); position: relative;
        }
        .service-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); border-color: transparent; }
        .service-img { position: relative; height: 240px; overflow: hidden; }
        .service-img img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.6s ease; }
        .service-card:hover .service-img img { transform: scale(1.08); }
        .service-img-overlay {
            position: absolute; inset: 0;
            background: linear-gradient(to top, rgba(19,78,74,0.7), transparent);
        }
        .service-img-tag {
            position: absolute; top: 16px; left: 16px;
            background: rgba(255,255,255,0.95); backdrop-filter: blur(10px);
            padding: 6px 16px; border-radius: 50px; font-size: 12px;
            font-weight: 600; color: var(--primary);
        }
        .service-body { padding: 28px; }
        .service-body h3 { font-size: 20px; font-weight: 700; margin-bottom: 12px; }
        .service-body p { font-size: 14px; color: var(--gray-500); line-height: 1.7; margin-bottom: 20px; }
        .service-link {
            display: inline-flex; align-items: center; gap: 8px;
            color: var(--primary); font-weight: 600; font-size: 14px;
        }
        .service-link i { transition: transform 0.3s ease; }
        .service-link:hover i { transform: translateX(4px); }

        /* =========================================
           CTA SECTION
        ========================================= */
        .cta-section {
            padding: 100px 0;
            background: linear-gradient(160deg, var(--primary-dark), var(--primary), var(--primary-light));
            position: relative; overflow: hidden;
        }
        .cta-section .float-circle { background: linear-gradient(135deg, rgba(255,255,255,0.1), rgba(255,255,255,0.03)); }
        .cta-inner {
            text-align: center; position: relative; z-index: 2;
        }
        .cta-inner h2 {
            font-size: clamp(32px, 5vw, 52px); font-weight: 800;
            color: var(--white); margin-bottom: 20px;
        }
        .cta-inner p {
            font-size: 18px; color: rgba(255,255,255,0.8); max-width: 600px;
            margin: 0 auto 40px; line-height: 1.8;
        }
        .cta-btns { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

        /* =========================================
           INSURANCE & FINANCE
        ========================================= */
        .insurance { padding: 120px 0; background: var(--bg-light); position: relative; overflow: hidden; }
        .insurance-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
        .insurance-content h2 { margin-bottom: 20px; }
        .insurance-content > p { color: var(--gray-500); margin-bottom: 32px; line-height: 1.8; }
        .insurance-features { display: flex; flex-direction: column; gap: 20px; margin-bottom: 36px; }
        .insurance-feature {
            display: flex; align-items: flex-start; gap: 16px; padding: 20px;
            border-radius: var(--radius-sm); background: var(--white);
            border: 1px solid var(--gray-200); transition: var(--transition);
        }
        .insurance-feature:hover { border-color: var(--primary-light); box-shadow: var(--shadow-sm); }
        .insurance-feature-icon {
            width: 44px; height: 44px; border-radius: 12px; flex-shrink: 0;
            background: linear-gradient(135deg, rgba(15,118,110,0.1), rgba(20,184,166,0.1));
            display: flex; align-items: center; justify-content: center;
            color: var(--primary); font-size: 18px;
        }
        .insurance-feature h4 { font-size: 16px; font-weight: 700; color: var(--primary-dark); margin-bottom: 4px; }
        .insurance-feature p { font-size: 14px; color: var(--gray-500); line-height: 1.6; }
        .insurance-img {
            border-radius: var(--radius-lg); overflow: hidden;
            box-shadow: var(--shadow-lg); position: relative;
        }
        .insurance-img img { width: 100%; height: 520px; object-fit: cover; }
        .insurance-float {
            position: absolute; bottom: 24px; left: 24px; right: 24px;
            padding: 20px 24px; border-radius: var(--radius-md);
            background: rgba(255,255,255,0.95); backdrop-filter: blur(20px);
            box-shadow: var(--shadow-md);
        }
        .insurance-float h4 { font-size: 16px; font-weight: 700; color: var(--primary-dark); margin-bottom: 4px; }
        .insurance-float p { font-size: 13px; color: var(--gray-500); }

        /* =========================================
           PRICING
        ========================================= */
        .pricing { padding: 120px 0; background: var(--white); position: relative; overflow: hidden; }
        .pricing-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
        .pricing-card {
            padding: 40px 32px; border-radius: var(--radius-md);
            background: var(--white); border: 2px solid var(--gray-200);
            transition: var(--transition); position: relative;
        }
        .pricing-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
        .pricing-card.popular {
            border-color: var(--primary-light);
            box-shadow: var(--shadow-glow);
        }
        .pricing-popular-tag {
            position: absolute; top: -14px; left: 50%; transform: translateX(-50%);
            background: linear-gradient(135deg, var(--primary), var(--primary-light));
            color: var(--white); padding: 6px 24px; border-radius: 50px;
            font-size: 12px; font-weight: 700; letter-spacing: 0.05em;
        }
        .pricing-card h3 { font-size: 22px; font-weight: 700; margin-bottom: 8px; }
        .pricing-card .price-desc { font-size: 14px; color: var(--gray-500); margin-bottom: 24px; }
        .pricing-amount { margin-bottom: 28px; }
        .pricing-amount .currency { font-size: 24px; font-weight: 700; color: var(--primary); vertical-align: top; }
        .pricing-amount .amount { font-size: 52px; font-weight: 800; color: var(--primary-dark); line-height: 1; }
        .pricing-amount .period { font-size: 15px; color: var(--gray-400); }
        .pricing-features { list-style: none; margin-bottom: 32px; }
        .pricing-features li {
            display: flex; align-items: center; gap: 12px; padding: 10px 0;
            font-size: 14px; color: var(--gray-600); border-bottom: 1px solid var(--gray-100);
        }
        .pricing-features li i { color: var(--primary-light); font-size: 14px; }
        .pricing-card .btn { width: 100%; justify-content: center; }

        /* =========================================
           BOOKING FORM
        ========================================= */
        .booking { padding: 120px 0; background: var(--bg-light); position: relative; overflow: hidden; }
        .booking-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
        .booking-content h2 { margin-bottom: 20px; }
        .booking-content > p { color: var(--gray-500); margin-bottom: 32px; line-height: 1.8; }
        .booking-benefits { display: flex; flex-direction: column; gap: 16px; }
        .booking-benefit {
            display: flex; align-items: center; gap: 14px;
            font-size: 15px; color: var(--gray-600); font-weight: 500;
        }
        .booking-benefit i { color: var(--primary-light); font-size: 16px; }
        .booking-form-wrap {
            background: var(--white); border-radius: var(--radius-lg);
            padding: 44px; box-shadow: var(--shadow-md);
            border: 1px solid var(--gray-200);
        }
        .booking-form-wrap h3 { font-size: 24px; font-weight: 700; margin-bottom: 8px; }
        .booking-form-wrap > p { font-size: 14px; color: var(--gray-500); margin-bottom: 28px; }
        .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
        .form-group { margin-bottom: 16px; }
        .form-group label {
            display: block; font-size: 13px; font-weight: 600;
            color: var(--gray-700); margin-bottom: 6px;
        }
        .form-group input, .form-group select, .form-group textarea {
            width: 100%; padding: 14px 18px; border-radius: var(--radius-sm);
            border: 1.5px solid var(--gray-200); font-size: 14px;
            font-family: 'Inter', sans-serif; color: var(--gray-700);
            transition: var(--transition); background: var(--gray-50);
        }
        .form-group input:focus, .form-group select:focus, .form-group textarea:focus {
            outline: none; border-color: var(--primary-light);
            box-shadow: 0 0 0 4px rgba(20,184,166,0.1); background: var(--white);
        }
        .form-group textarea { resize: vertical; min-height: 100px; }

        /* =========================================
           REVIEWS
        ========================================= */
        .reviews { padding: 120px 0; background: var(--white); position: relative; overflow: hidden; }
        .reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
        .review-card {
            padding: 32px; border-radius: var(--radius-md);
            background: var(--bg-light); border: 1px solid var(--gray-200);
            transition: var(--transition); position: relative;
        }
        .review-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: transparent; }
        .review-stars { display: flex; gap: 3px; margin-bottom: 16px; }
        .review-stars i { color: #fbbf24; font-size: 14px; }
        .review-text { font-size: 15px; color: var(--gray-600); line-height: 1.8; margin-bottom: 24px; font-style: italic; }
        .review-author { display: flex; align-items: center; gap: 14px; }
        .review-avatar {
            width: 48px; height: 48px; border-radius: 50%; overflow: hidden;
            flex-shrink: 0;
        }
        .review-avatar img { width: 100%; height: 100%; object-fit: cover; }
        .review-author-info h4 { font-size: 15px; font-weight: 700; color: var(--primary-dark); }
        .review-author-info p { font-size: 13px; color: var(--gray-400); }
        .review-quote {
            position: absolute; top: 20px; right: 24px; font-size: 40px;
            color: rgba(20,184,166,0.12); font-family: Georgia, serif;
        }

        /* =========================================
           FAQ
        ========================================= */
        .faq { padding: 120px 0; background: var(--bg-light); position: relative; overflow: hidden; }
        .faq-list { max-width: 800px; margin: 0 auto; }
        .faq-item {
            background: var(--white); border-radius: var(--radius-sm);
            margin-bottom: 16px; border: 1px solid var(--gray-200);
            overflow: hidden; transition: var(--transition);
        }
        .faq-item:hover { border-color: rgba(20,184,166,0.3); }
        .faq-item.active { border-color: var(--primary-light); box-shadow: var(--shadow-sm); }
        .faq-question {
            display: flex; align-items: center; justify-content: space-between;
            padding: 22px 28px; cursor: pointer; gap: 16px;
            font-family: 'Poppins', sans-serif; font-size: 16px;
            font-weight: 600; color: var(--primary-dark); transition: var(--transition);
        }
        .faq-question:hover { color: var(--primary); }
        .faq-question i { font-size: 14px; transition: transform 0.3s ease; flex-shrink: 0; color: var(--primary-light); }
        .faq-item.active .faq-question i { transform: rotate(180deg); }
        .faq-answer {
            max-height: 0; overflow: hidden; transition: max-height 0.4s ease, padding 0.4s ease;
        }
        .faq-item.active .faq-answer { max-height: 300px; }
        .faq-answer p {
            padding: 0 28px 22px; font-size: 15px; color: var(--gray-500); line-height: 1.8;
        }

        /* =========================================
           CONTACT
        ========================================= */
        .contact { padding: 120px 0; background: var(--white); position: relative; overflow: hidden; }
        .contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; }
        .contact-info h2 { margin-bottom: 20px; }
        .contact-info > p { color: var(--gray-500); margin-bottom: 36px; line-height: 1.8; }
        .contact-methods { display: flex; flex-direction: column; gap: 24px; margin-bottom: 36px; }
        .contact-method {
            display: flex; align-items: flex-start; gap: 18px;
        }
        .contact-method-icon {
            width: 52px; height: 52px; border-radius: 16px; flex-shrink: 0;
            background: linear-gradient(135deg, rgba(15,118,110,0.1), rgba(20,184,166,0.1));
            display: flex; align-items: center; justify-content: center;
            color: var(--primary); font-size: 20px;
        }
        .contact-method h4 { font-size: 15px; font-weight: 700; color: var(--primary-dark); margin-bottom: 4px; }
        .contact-method p { font-size: 14px; color: var(--gray-500); }
        .contact-method a { color: var(--primary); font-weight: 600; }
        .contact-method a:hover { text-decoration: underline; }
        .contact-social { display: flex; gap: 12px; }
        .contact-social a {
            width: 44px; height: 44px; border-radius: 12px;
            background: var(--bg-light); border: 1px solid var(--gray-200);
            display: flex; align-items: center; justify-content: center;
            color: var(--gray-500); font-size: 18px; transition: var(--transition);
        }
        .contact-social a:hover {
            background: var(--primary); color: var(--white);
            border-color: var(--primary); transform: translateY(-3px);
        }
        .contact-form-wrap {
            background: var(--bg-light); border-radius: var(--radius-lg);
            padding: 44px; border: 1px solid var(--gray-200);
        }

        /* =========================================
           NEWSLETTER
        ========================================= */
        .newsletter {
            padding: 100px 0;
            background: linear-gradient(160deg, var(--primary-dark), var(--primary));
            position: relative; overflow: hidden;
        }
        .newsletter .float-circle { background: linear-gradient(135deg, rgba(255,255,255,0.08), rgba(255,255,255,0.02)); }
        .newsletter-inner {
            max-width: 680px; margin: 0 auto; text-align: center;
            position: relative; z-index: 2;
        }
        .newsletter h2 { color: var(--white); margin-bottom: 16px; }
        .newsletter > .newsletter-inner > p {
            color: rgba(255,255,255,0.75); margin-bottom: 40px; font-size: 16px; line-height: 1.8;
        }
        .newsletter-form {
            display: flex; flex-direction: column; gap: 16px;
        }
        .newsletter-form .form-row { margin-bottom: 0; }
        .newsletter-form .form-group { margin-bottom: 0; }
        .newsletter-form input {
            background: rgba(255,255,255,0.12) !important; border-color: rgba(255,255,255,0.2) !important;
            color: var(--white) !important;
        }
        .newsletter-form input::placeholder { color: rgba(255,255,255,0.5); }
        .newsletter-form input:focus {
            border-color: var(--primary-lighter) !important;
            box-shadow: 0 0 0 4px rgba(45,212,191,0.2) !important;
            background: rgba(255,255,255,0.18) !important;
        }
        .newsletter-consent {
            display: flex; align-items: flex-start; gap: 10px; text-align: left;
        }
        .newsletter-consent input[type="checkbox"] {
            width: 18px; height: 18px; margin-top: 2px; flex-shrink: 0;
            accent-color: var(--primary-light);
        }
        .newsletter-consent label {
            font-size: 13px; color: rgba(255,255,255,0.65); line-height: 1.5; cursor: pointer;
        }
        .newsletter-success {
            display: none; padding: 24px; border-radius: var(--radius-md);
            background: rgba(255,255,255,0.15); backdrop-filter: blur(10px);
            border: 1px solid rgba(255,255,255,0.2);
        }
        .newsletter-success i { font-size: 40px; color: var(--primary-lighter); margin-bottom: 12px; }
        .newsletter-success h3 { color: var(--white); font-size: 22px; margin-bottom: 8px; }
        .newsletter-success p { color: rgba(255,255,255,0.75); font-size: 15px; }

        /* =========================================
           FOOTER
        ========================================= */
        .footer {
            padding: 80px 0 0; background: var(--primary-dark);
            color: rgba(255,255,255,0.7); position: relative; overflow: hidden;
        }
        .footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1.3fr; gap: 48px; padding-bottom: 60px; }
        .footer-about .nav-logo { margin-bottom: 20px; }
        .footer-about p { font-size: 14px; line-height: 1.8; margin-bottom: 20px; }
        .footer-social { display: flex; gap: 10px; }
        .footer-social a {
            width: 40px; height: 40px; border-radius: 10px;
            background: rgba(255,255,255,0.08); display: flex; align-items: center;
            justify-content: center; color: rgba(255,255,255,0.6); font-size: 16px;
            transition: var(--transition);
        }
        .footer-social a:hover { background: var(--primary-light); color: var(--white); transform: translateY(-3px); }
        .footer-col h4 {
            font-size: 16px; font-weight: 700; color: var(--white);
            margin-bottom: 24px; position: relative; padding-bottom: 12px;
        }
        .footer-col h4::after {
            content: ''; position: absolute; bottom: 0; left: 0;
            width: 30px; height: 2px; background: var(--primary-light); border-radius: 2px;
        }
        .footer-col ul { list-style: none; }
        .footer-col ul li { margin-bottom: 12px; }
        .footer-col ul a {
            font-size: 14px; color: rgba(255,255,255,0.6); transition: var(--transition);
            display: inline-flex; align-items: center; gap: 6px;
        }
        .footer-col ul a:hover { color: var(--primary-lighter); padding-left: 4px; }
        .footer-newsletter-cta p { font-size: 14px; margin-bottom: 16px; line-height: 1.7; }
        .footer-cta-btn {
            display: inline-flex; align-items: center; gap: 8px;
            padding: 12px 28px; border-radius: 50px; font-weight: 600;
            font-size: 14px; background: linear-gradient(135deg, var(--primary), var(--primary-light));
            color: var(--white); transition: var(--transition);
        }
        .footer-cta-btn:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(20,184,166,0.4); }
        .footer-bottom {
            border-top: 1px solid rgba(255,255,255,0.08);
            padding: 24px 0; display: flex; align-items: center;
            justify-content: space-between; flex-wrap: wrap; gap: 12px;
        }
        .footer-bottom p { font-size: 13px; }
        .footer-bottom-links { display: flex; gap: 24px; }
        .footer-bottom-links a { font-size: 13px; color: rgba(255,255,255,0.5); }
        .footer-bottom-links a:hover { color: var(--primary-lighter); }

        /* --- TOAST --- */
        .toast {
            position: fixed; bottom: 30px; right: 30px; z-index: 10000;
            padding: 18px 28px; border-radius: var(--radius-sm);
            background: var(--primary-dark); color: var(--white);
            font-size: 14px; font-weight: 600; display: flex; align-items: center; gap: 12px;
            box-shadow: var(--shadow-lg); transform: translateX(120%); transition: transform 0.4s ease;
        }
        .toast.show { transform: translateX(0); }
        .toast i { color: var(--primary-lighter); font-size: 20px; }

        /* --- BACK TO TOP --- */
        .back-to-top {
            position: fixed; bottom: 30px; right: 30px; z-index: 999;
            width: 48px; height: 48px; border-radius: 50%;
            background: linear-gradient(135deg, var(--primary), var(--primary-light));
            color: var(--white); display: flex; align-items: center; justify-content: center;
            font-size: 18px; cursor: pointer; box-shadow: var(--shadow-md);
            opacity: 0; visibility: hidden; transition: var(--transition); border: none;
        }
        .back-to-top.visible { opacity: 1; visibility: visible; }
        .back-to-top:hover { transform: translateY(-4px); box-shadow: var(--shadow-glow); }

        /* =========================================
           RESPONSIVE
        ========================================= */
        @media (max-width: 1024px) {
            .hero-grid, .about-grid, .insurance-grid, .booking-grid, .contact-grid {
                grid-template-columns: 1fr; gap: 40px;
            }
            .features-grid, .services-grid, .pricing-grid, .reviews-grid {
                grid-template-columns: repeat(2, 1fr);
            }
            .milestones-grid { grid-template-columns: repeat(2, 1fr); gap: 32px; }
            .process-grid { grid-template-columns: repeat(2, 1fr); gap: 40px; }
            .process-line { display: none; }
            .footer-grid { grid-template-columns: 1fr 1fr; }
            .about-img-wrap { max-width: 500px; margin: 0 auto; }
            .about-img-float { display: none; }
        }

        @media (max-width: 768px) {
            .nav-links { display: none; }
            .nav-cta.desktop-only { display: none; }
            .mobile-toggle { display: flex; }
            .mobile-menu { display: flex; }
            .hero-grid { text-align: center; }
            .hero-desc { margin: 0 auto 40px; }
            .hero-btns { justify-content: center; }
            .hero-stats { justify-content: center; }
            .hero-visual { max-width: 500px; margin: 0 auto; }
            .hero-float-card { display: none; }
            .features-grid, .services-grid, .reviews-grid { grid-template-columns: 1fr; }
            .pricing-grid { grid-template-columns: 1fr; max-width: 440px; margin: 0 auto; }
            .milestones-grid { grid-template-columns: repeat(2, 1fr); }
            .process-grid { grid-template-columns: 1fr; max-width: 360px; margin: 0 auto; }
            .form-row { grid-template-columns: 1fr; }
            .footer-grid { grid-template-columns: 1fr; }
            .footer-bottom { flex-direction: column; text-align: center; }
            .section-title { font-size: clamp(28px, 5vw, 42px); }
            .about-values { grid-template-columns: 1fr; }
            .insurance-img { display: none; }
        }

        @media (max-width: 480px) {
            .hero h1 { font-size: 32px; }
            .hero-stats { flex-direction: column; gap: 20px; }
            .milestones-grid { grid-template-columns: 1fr; }
            .btn-lg { padding: 16px 32px; font-size: 15px; }
        }