/* ============================================================
   Rupiflow Insurance — Public Site Stylesheet
   Colors from logo: Blue #2962ff · Teal #22d3b8 · Navy #111e46
   ============================================================ */

/* ── Variables ─────────────────────────────────────────────── */
:root {
  --blue:       #2962ff;
  --blue-2:     #4f8cff;
  --blue-soft:  rgba(41,98,255,.10);
  --blue-glow:  rgba(41,98,255,.30);
  --teal:       #22d3b8;
  --teal-2:     #34e0bf;
  --teal-soft:  rgba(34,211,184,.10);
  --teal-glow:  rgba(34,211,184,.30);
  --dark:       #111e46;
  --dark-2:     #1a2d5a;
  --muted:      #5b6a94;
  --muted-2:    #8494bd;
  --bg:         #ffffff;
  --bg-2:       #f4f7ff;
  --bg-3:       #eef2ff;
  --border:     rgba(17,30,70,.09);
  --border-2:   rgba(17,30,70,.14);
  --text:       #111e46;
  --radius-sm:  8px;
  --radius:     14px;
  --radius-lg:  20px;
  --shadow-sm:  0 2px 12px rgba(17,30,70,.07);
  --shadow:     0 8px 32px rgba(17,30,70,.10);
  --shadow-lg:  0 20px 60px rgba(17,30,70,.14);
}

/* ── Reset & Base ──────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  background: var(--bg);
  color: var(--text);
  font-family: 'Inter', 'Segoe UI', system-ui, sans-serif;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
  line-height: 1.6;
}
h1,h2,h3,h4 {
  font-family: 'Plus Jakarta Sans', 'Segoe UI', sans-serif;
  letter-spacing: -.02em;
  line-height: 1.15;
}
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }
.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }

/* ── Ambient background ────────────────────────────────────── */
body::before {
  content: "";
  position: fixed;
  inset: 0;
  z-index: 0;
  pointer-events: none;
  background:
    radial-gradient(900px 600px at 5% -5%,  rgba(41,98,255,.09),  transparent 65%),
    radial-gradient(700px 500px at 95% 5%,  rgba(34,211,184,.08), transparent 60%),
    radial-gradient(800px 600px at 50% 110%, rgba(41,98,255,.07), transparent 60%);
}

/* ── Buttons ───────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 22px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 14px;
  cursor: pointer;
  border: none;
  transition: transform .18s ease, box-shadow .2s ease, background .2s ease, opacity .2s;
  white-space: nowrap;
}
.btn-primary {
  background: linear-gradient(135deg, var(--blue), var(--blue-2));
  color: #fff;
  box-shadow: 0 8px 28px -8px var(--blue-glow);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 40px -8px var(--blue-glow);
}
.btn-accent {
  background: linear-gradient(135deg, var(--teal), var(--teal-2));
  color: #063d33;
  font-weight: 700;
  box-shadow: 0 8px 28px -8px var(--teal-glow);
}
.btn-accent:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 40px -8px var(--teal-glow);
}
.btn-ghost {
  background: rgba(236,242,255,.8);
  color: var(--dark);
  border: 1px solid var(--border-2);
}
.btn-ghost:hover { background: var(--bg-3); }
.btn-outline {
  background: transparent;
  color: #fff;
  border: 1.5px solid rgba(255,255,255,.4);
}
.btn-outline:hover { background: rgba(255,255,255,.1); }
.btn-lg { padding: 14px 28px; font-size: 15px; border-radius: 10px; }

/* ── Eyebrow label ─────────────────────────────────────────── */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--teal);
}
.eyebrow::before {
  content: "";
  width: 24px;
  height: 2px;
  background: var(--teal);
  border-radius: 2px;
}

/* ── Gradient text ─────────────────────────────────────────── */
.grad-text {
  background: linear-gradient(135deg, var(--blue), var(--teal));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

/* ── Section shared ────────────────────────────────────────── */
section { position: relative; z-index: 1; }
.section-pad { padding: 88px 0; }
.section-head { text-align: center; margin-bottom: 56px; }
.section-head .eyebrow { justify-content: center; }
.section-head h2 {
  font-size: clamp(30px, 4vw, 46px);
  font-weight: 800;
  margin: 14px 0 16px;
}
.section-head p {
  color: var(--muted);
  max-width: 580px;
  margin: 0 auto;
  font-size: 16px;
  line-height: 1.7;
}

/* ── Page hero (inner pages) ───────────────────────────────── */
.page-hero {
  position: relative;
  z-index: 1;
  background: linear-gradient(135deg, var(--dark) 0%, var(--dark-2) 50%, #122050 100%);
  padding: 64px 0 56px;
  overflow: hidden;
}
.page-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(600px 400px at 0% 60%,   rgba(41,98,255,.22), transparent 60%),
    radial-gradient(500px 360px at 100% 40%, rgba(34,211,184,.16), transparent 60%);
  pointer-events: none;
}
.page-hero-inner { position: relative; z-index: 1; }
.page-hero .eyebrow { color: rgba(255,255,255,.5); }
.page-hero .eyebrow::before { background: rgba(255,255,255,.35); }
.page-hero h1 {
  font-size: clamp(30px, 4.5vw, 52px);
  font-weight: 800;
  color: #fff;
  margin: 12px 0 10px;
}
.page-hero p {
  color: rgba(255,255,255,.65);
  font-size: 16px;
  max-width: 560px;
}

/* ── Split hero (contact page) ──────────────────────────────── */
.split-hero {
  position: relative;
  z-index: 1;
  overflow: hidden;
  display: flex;
  min-height: 280px;
}
.split-hero-left {
  flex: 0 0 56%;
  background: linear-gradient(135deg, var(--dark) 0%, var(--dark-2) 45%, #1a3380 100%);
  position: relative;
  padding: 64px 56px 64px 0;
  display: flex;
  align-items: center;
}
.split-hero-left::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(560px 400px at -10% 60%, rgba(41,98,255,.28), transparent 60%),
    radial-gradient(400px 320px at 100% 20%, rgba(34,211,184,.14), transparent 60%);
  pointer-events: none;
}
.split-hero-left-inner {
  position: relative;
  z-index: 1;
  max-width: 560px;
  margin-left: auto;
  padding-left: 24px;
}
.split-hero-left .eyebrow { color: rgba(255,255,255,.55); }
.split-hero-left .eyebrow::before { background: rgba(255,255,255,.35); }
.split-hero-left h1 {
  font-size: clamp(28px, 4vw, 48px);
  font-weight: 800;
  color: #fff;
  margin: 14px 0 12px;
  line-height: 1.12;
}
.split-hero-left p {
  color: rgba(255,255,255,.68);
  font-size: 15.5px;
  line-height: 1.65;
  max-width: 420px;
}
/* Diagonal cut edge */
.split-hero-left::after {
  content: "";
  position: absolute;
  top: 0; right: -40px;
  width: 80px;
  height: 100%;
  background: inherit;
  clip-path: polygon(0 0, 0% 100%, 100% 100%);
  z-index: 2;
}

.split-hero-right {
  flex: 1;
  background: var(--bg);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 48px 40px 48px 72px;
  position: relative;
}
.split-hero-right::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(600px 400px at 100% 50%, rgba(41,98,255,.05), transparent 65%);
  pointer-events: none;
}
.split-hero-right-inner {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  gap: 20px;
  max-width: 320px;
}
.contact-avail-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 20px 24px;
  display: flex;
  align-items: flex-start;
  gap: 14px;
}
.contact-avail-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  flex-shrink: 0;
}
.contact-avail-icon.blue { background: var(--blue-soft); }
.contact-avail-icon.teal { background: var(--teal-soft); }
.contact-avail-body h4 {
  font-size: 13.5px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 3px;
}
.contact-avail-body p {
  font-size: 12.5px;
  color: var(--muted);
  line-height: 1.5;
}
@media (max-width: 700px) {
  .split-hero { flex-direction: column; }
  .split-hero-left { flex: none; padding: 48px 24px; }
  .split-hero-left::after { display: none; }
  .split-hero-left-inner { margin: 0; padding: 0; }
  .split-hero-right { padding: 32px 24px; justify-content: flex-start; }
  .split-hero-right-inner { max-width: 100%; flex-direction: row; flex-wrap: wrap; }
  .contact-avail-card { flex: 1 1 200px; }
}

/* ── Doc layout ─────────────────────────────────────────────── */
.doc-section { padding: 72px 0 88px; }
.doc-wrap { max-width: 860px; margin: 0 auto; }

.doc-card {
  background: #fff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
  overflow: hidden;
  margin-bottom: 20px;
}
.doc-card-head {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 22px 28px;
  background: linear-gradient(135deg, var(--bg-3), var(--bg-2));
  border-bottom: 1px solid var(--border);
}
.doc-card-head .doc-icon {
  width: 44px; height: 44px;
  border-radius: 10px;
  background: linear-gradient(135deg, var(--blue), var(--blue-2));
  color: #fff;
  display: grid;
  place-items: center;
  font-size: 20px;
  flex-shrink: 0;
}
.doc-card-head h2 {
  font-size: 18px;
  font-weight: 700;
  margin: 0 0 2px;
}
.doc-card-head p {
  font-size: 13px;
  color: var(--muted);
  margin: 0;
}
.doc-card-body { padding: 28px; }

.section-block {
  padding: 24px 0;
  border-bottom: 1px solid var(--border);
}
.section-block:last-child { border-bottom: none; padding-bottom: 0; }

.section-head-row {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 14px;
}
.section-num {
  width: 32px; height: 32px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--blue), var(--blue-2));
  color: #fff;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 13px;
  font-weight: 700;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  margin-top: 1px;
}
.section-block h3 {
  font-size: 17px;
  font-weight: 700;
  margin: 0 0 10px;
  color: var(--dark);
}
.section-block p {
  font-size: 14.5px;
  color: var(--muted);
  line-height: 1.7;
  margin: 0 0 10px;
}
.section-block p:last-child { margin-bottom: 0; }

.check-list {
  list-style: none;
  padding: 0;
  margin: 10px 0 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 14.5px;
  color: var(--muted);
  line-height: 1.55;
}
.check-list li::before {
  content: "✓";
  color: var(--teal);
  font-weight: 700;
  font-size: 13px;
  margin-top: 2px;
  flex-shrink: 0;
}
.cross-list { list-style: none; padding: 0; margin: 10px 0 0; display: flex; flex-direction: column; gap: 8px; }
.cross-list li { display: flex; align-items: flex-start; gap: 10px; font-size: 14.5px; color: var(--muted); line-height: 1.55; }
.cross-list li::before { content: "✗"; color: #e53e3e; font-weight: 700; font-size: 13px; margin-top: 2px; flex-shrink: 0; }

.doc-alert {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px 16px;
  border-radius: var(--radius-sm);
  font-size: 14px;
  margin: 12px 0;
  line-height: 1.6;
}
.doc-alert-warning {
  background: #fffbeb;
  border: 1px solid #fcd34d;
  color: #92400e;
}
.doc-alert-info {
  background: #eff6ff;
  border: 1px solid #bfdbfe;
  color: #1e40af;
}
.doc-alert-success {
  background: rgba(34,211,184,.08);
  border: 1px solid rgba(34,211,184,.3);
  color: #065f52;
}
.doc-alert-icon { font-size: 18px; flex-shrink: 0; margin-top: 1px; }

.disclaimer-card {
  background: linear-gradient(135deg, var(--dark), var(--dark-2));
  border-radius: var(--radius);
  padding: 24px 28px;
  color: rgba(255,255,255,.8);
  font-size: 14px;
  line-height: 1.7;
  margin-top: 24px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.disclaimer-icon { font-size: 24px; flex-shrink: 0; }

/* ── Feature grid (services page) ──────────────────────────── */
.svc-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin-bottom: 60px;
}
@media (max-width: 900px) { .svc-grid { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 560px) { .svc-grid { grid-template-columns: 1fr; } }

.svc-card {
  background: #fff;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 22px;
  box-shadow: var(--shadow-sm);
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.svc-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow);
  border-color: rgba(41,98,255,.25);
}
.svc-head { display: flex; align-items: center; gap: 14px; margin-bottom: 16px; }
.svc-icon {
  width: 52px; height: 52px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--blue-soft), var(--teal-soft));
  display: grid;
  place-items: center;
  font-size: 24px;
  flex-shrink: 0;
}
.svc-head h3 { font-size: 17px; font-weight: 700; margin: 0; }
.svc-card > p { font-size: 13.5px; color: var(--muted); line-height: 1.6; margin-bottom: 16px; }
.svc-list { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 6px; }
.svc-list li { font-size: 13px; color: var(--muted); display: flex; align-items: center; gap: 8px; }
.svc-list li::before { content: "•"; color: var(--blue); font-size: 16px; }

/* ── FAQ accordion ──────────────────────────────────────────── */
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  margin-bottom: 12px;
  overflow: hidden;
  transition: box-shadow .2s;
}
.faq-item.open { box-shadow: var(--shadow-sm); border-color: rgba(41,98,255,.25); }
.faq-q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 18px 22px;
  cursor: pointer;
  background: #fff;
  user-select: none;
  transition: background .15s;
}
.faq-q:hover { background: var(--bg-2); }
.faq-q-text { font-size: 15px; font-weight: 600; color: var(--dark); flex: 1; }
.faq-chevron {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--bg-3);
  display: grid;
  place-items: center;
  flex-shrink: 0;
  transition: background .2s, transform .25s;
  font-size: 12px;
  color: var(--muted);
}
.faq-item.open .faq-chevron { background: var(--blue); color: #fff; transform: rotate(180deg); }
.faq-a {
  display: none;
  padding: 0 22px 18px;
  background: var(--bg-2);
  border-top: 1px solid var(--border);
}
.faq-item.open .faq-a { display: block; }
.faq-a p { font-size: 14.5px; color: var(--muted); line-height: 1.7; margin: 14px 0 0; }
.faq-num {
  width: 28px; height: 28px;
  border-radius: 6px;
  background: var(--blue-soft);
  color: var(--blue);
  font-size: 12px;
  font-weight: 700;
  display: grid;
  place-items: center;
  flex-shrink: 0;
}

/* ── Contact layout ─────────────────────────────────────────── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 28px;
  align-items: start;
}
@media (max-width: 860px) { .contact-grid { grid-template-columns: 1fr; } }

.contact-info-card {
  background: linear-gradient(155deg, var(--dark), var(--dark-2));
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  color: #fff;
}
.contact-info-card h3 { font-size: 20px; font-weight: 700; margin-bottom: 8px; }
.contact-info-card > p { color: rgba(255,255,255,.6); font-size: 14px; margin-bottom: 28px; }
.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  margin-bottom: 20px;
}
.contact-item-icon {
  width: 40px; height: 40px;
  border-radius: 10px;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.12);
  display: grid;
  place-items: center;
  font-size: 18px;
  flex-shrink: 0;
}
.contact-item h4 { font-size: 13px; font-weight: 600; color: rgba(255,255,255,.5); margin-bottom: 3px; text-transform: uppercase; letter-spacing: .06em; }
.contact-item p, .contact-item a {
  font-size: 14.5px;
  color: rgba(255,255,255,.85);
  line-height: 1.5;
  margin: 0;
}
.contact-item a:hover { color: var(--teal); }

.contact-form-card {
  background: #fff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
  padding: 32px 28px;
}
.contact-form-card h3 { font-size: 20px; font-weight: 700; margin-bottom: 20px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
@media (max-width: 560px) { .form-row { grid-template-columns: 1fr; } }
.form-group { margin-bottom: 16px; }
.form-group label { display: block; font-size: 12px; font-weight: 600; color: var(--muted); margin-bottom: 6px; text-transform: uppercase; letter-spacing: .06em; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--border-2);
  border-radius: var(--radius-sm);
  font-size: 14px;
  font-family: inherit;
  color: var(--text);
  background: var(--bg);
  outline: none;
  transition: border-color .2s, box-shadow .2s;
  resize: vertical;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(41,98,255,.1);
}
.form-success {
  display: none;
  text-align: center;
  padding: 24px;
}
.form-success .s-icon { font-size: 44px; margin-bottom: 12px; }
.form-success h3 { font-size: 18px; font-weight: 700; margin-bottom: 8px; }
.form-success p { font-size: 14px; color: var(--muted); }

/* ── About role boxes ────────────────────────────────────────── */
.role-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 16px; }
@media (max-width: 640px) { .role-grid { grid-template-columns: 1fr; } }
.role-box {
  padding: 20px;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  background: var(--bg-2);
}
.role-box.yes-box { border-color: rgba(34,211,184,.3); background: rgba(34,211,184,.06); }
.role-box.no-box  { border-color: rgba(229,62,62,.2); background: rgba(229,62,62,.04); }
.role-box h4 { font-size: 14px; font-weight: 700; margin-bottom: 12px; }
.role-box.yes-box h4 { color: #065f52; }
.role-box.no-box  h4 { color: #c53030; }

/* ── Reveal animation ──────────────────────────────────────── */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .6s ease, transform .6s ease;
}
.reveal.visible { opacity: 1; transform: none; }

/* ═══════════════════════════════════════════════════════════
   HEADER / NAV
═══════════════════════════════════════════════════════════ */
header {
  position: sticky;
  top: 0;
  z-index: 100;
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  background: rgba(255,255,255,.88);
  border-bottom: 1px solid var(--border);
  box-shadow: 0 1px 0 rgba(17,30,70,.04);
}
nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 24px;
  height: 68px;
  max-width: 1180px;
  margin: 0 auto;
  gap: 24px;
}
.brand { display: flex; align-items: center; gap: 4px; flex-shrink: 0; }
.brand img { height: 52px; width: auto; }
/* Logo PNG already contains the wordmark — hide the duplicate text span */
.brand-name { display: none; }
.nav-links {
  display: flex;
  align-items: center;
  gap: 6px;
  flex: 1;
  justify-content: center;
}
.nav-links a {
  color: var(--muted);
  font-size: 14px;
  font-weight: 500;
  padding: 6px 12px;
  border-radius: 6px;
  transition: color .2s, background .2s;
}
.nav-links a:hover { color: var(--dark); background: var(--bg-3); }
.nav-actions { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }

/* Hamburger */
.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 6px;
  border: none;
  background: none;
}
.nav-hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--dark);
  border-radius: 2px;
  transition: transform .25s ease, opacity .2s;
}
.nav-hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-hamburger.open span:nth-child(2) { opacity: 0; }
.nav-hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile drawer */
.nav-mobile {
  display: none;
  position: fixed;
  inset: 68px 0 0;
  background: rgba(255,255,255,.97);
  backdrop-filter: blur(16px);
  z-index: 99;
  padding: 28px 24px;
  flex-direction: column;
  gap: 6px;
  border-top: 1px solid var(--border);
  animation: slideDown .22s ease;
}
.nav-mobile.open { display: flex; }
.nav-mobile a {
  display: block;
  font-size: 16px;
  font-weight: 500;
  color: var(--dark);
  padding: 12px 16px;
  border-radius: var(--radius-sm);
  transition: background .15s;
}
.nav-mobile a:hover { background: var(--bg-3); }
.nav-mobile hr { border: none; border-top: 1px solid var(--border); margin: 10px 0; }
.nav-mobile .btn { width: 100%; justify-content: center; margin-top: 4px; }

@keyframes slideDown {
  from { opacity: 0; transform: translateY(-8px); }
  to   { opacity: 1; transform: translateY(0); }
}

@media (max-width: 820px) {
  .nav-links  { display: none; }
  .nav-actions { display: none; }
  .nav-hamburger { display: flex; }
}

/* ═══════════════════════════════════════════════════════════
   HERO
═══════════════════════════════════════════════════════════ */
.hero {
  position: relative;
  z-index: 1;
  padding: 90px 0 70px;
  overflow: hidden;
  background: var(--bg);
}
/* Dark navy panel — left ~57%, diagonal right edge */
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(150deg, #07112a 0%, #0f1b40 38%, #162d6a 72%, #1f48b0 115%);
  clip-path: polygon(0 0, 57% 0, 49% 100%, 0 100%);
  z-index: 0;
}
/* Ambient glow inside the dark panel */
.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(480px 400px at 8% 30%,  rgba(41,98,255,.28), transparent 65%),
    radial-gradient(320px 280px at 45% 85%, rgba(34,211,184,.18), transparent 60%);
  clip-path: polygon(0 0, 57% 0, 49% 100%, 0 100%);
  z-index: 0;
  pointer-events: none;
}

/* Floating animated blobs */
.hero-blob {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  pointer-events: none;
  animation: drift linear infinite;
}
.hero-blob-1 {
  width: 480px; height: 480px;
  background: rgba(41,98,255,.12);
  top: -140px; left: -100px;
  animation-duration: 20s;
}
.hero-blob-2 {
  width: 380px; height: 380px;
  background: rgba(34,211,184,.10);
  top: -80px; right: -80px;
  animation-duration: 25s;
  animation-direction: reverse;
}
.hero-blob-3 {
  width: 320px; height: 320px;
  background: rgba(41,98,255,.08);
  bottom: -60px; right: 20%;
  animation-duration: 30s;
}
@keyframes drift {
  0%   { transform: translate(0,0) scale(1); }
  33%  { transform: translate(30px,-20px) scale(1.05); }
  66%  { transform: translate(-20px,25px) scale(.97); }
  100% { transform: translate(0,0) scale(1); }
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}
@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; gap: 48px; }
  .hero { padding: 64px 0 52px; }
}

/* Trust pill */
.hero-pill {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(34,211,184,.12);
  border: 1px solid rgba(34,211,184,.3);
  border-radius: 100px;
  padding: 6px 14px 6px 8px;
  margin-bottom: 22px;
}
.hero-pill-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--teal);
  box-shadow: 0 0 0 3px rgba(34,211,184,.25);
  animation: pulse 2s ease infinite;
}
@keyframes pulse {
  0%,100% { box-shadow: 0 0 0 3px rgba(34,211,184,.25); }
  50%      { box-shadow: 0 0 0 6px rgba(34,211,184,.10); }
}
.hero-pill span {
  font-size: 12px;
  font-weight: 600;
  color: #0a5c50;
  letter-spacing: .03em;
}

h1.hero-title {
  font-size: clamp(38px, 5.5vw, 68px);
  font-weight: 800;
  line-height: 1.06;
  margin-bottom: 20px;
}
.hero-lead {
  color: var(--muted);
  font-size: 17px;
  line-height: 1.7;
  max-width: 510px;
  margin-bottom: 34px;
}
.cta-row { display: flex; gap: 14px; flex-wrap: wrap; }

/* Hero trust badges */
.hero-badges {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-top: 30px;
  flex-wrap: wrap;
}
.hero-badge {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 12px;
  font-weight: 600;
  color: var(--muted);
}
.hero-badge-icon {
  width: 28px; height: 28px;
  background: var(--bg-3);
  border-radius: 6px;
  display: grid;
  place-items: center;
  font-size: 14px;
}

/* Hero insurance cards (right column) */
.hero-cards {
  display: flex;
  flex-direction: column;
  gap: 10px;
  padding-left: 56px;   /* push well clear of the diagonal */
}
.icard {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 14px 20px;
  border-radius: var(--radius);
  background: #fff;
  border: 1px solid rgba(41,98,255,.10);
  box-shadow: 0 2px 16px rgba(41,98,255,.07), 0 1px 3px rgba(17,30,70,.05);
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
  cursor: default;
}
.icard:hover {
  transform: translateX(8px);
  border-color: rgba(34,211,184,.4);
  box-shadow: 0 8px 28px rgba(34,211,184,.15), 0 2px 6px rgba(17,30,70,.06);
}
.icard-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: linear-gradient(135deg, rgba(41,98,255,.12), rgba(34,211,184,.10));
  border: 1px solid rgba(41,98,255,.15);
  display: grid;
  place-items: center;
  font-size: 24px;
  flex-shrink: 0;
  border: 1px solid var(--border);
  transition: background .25s;
}
.icard:hover .icard-icon {
  background: linear-gradient(135deg, rgba(34,211,184,.12), rgba(41,98,255,.08));
}
.icard-text h4 { font-size: 15px; font-weight: 700; margin-bottom: 2px; }
.icard-text p  { font-size: 12px; color: var(--muted); margin: 0; }
.icard-arrow {
  margin-left: auto;
  color: var(--muted-2);
  font-size: 18px;
  opacity: 0;
  transform: translateX(-4px);
  transition: opacity .2s, transform .2s;
}
.icard:hover .icard-arrow { opacity: 1; transform: translateX(0); }

/* ═══════════════════════════════════════════════════════════
   MARQUEE
═══════════════════════════════════════════════════════════ */
.marquee-section {
  position: relative;
  z-index: 1;
  padding: 0;
  margin: 8px 0;
  overflow: hidden;
  background: linear-gradient(90deg, var(--bg-3), var(--bg-2) 30%, var(--bg-2) 70%, var(--bg-3));
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.marquee-inner {
  display: flex;
  width: max-content;
  animation: marqueeScroll 38s linear infinite;
}
.marquee-inner:hover { animation-play-state: paused; }
.marquee-track {
  display: flex;
  align-items: center;
  gap: 0;
  padding: 16px 0;
}
.marquee-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 0 32px;
  font-size: 13px;
  font-weight: 600;
  color: var(--muted);
  white-space: nowrap;
  border-right: 1px solid var(--border);
}
.marquee-item .dot {
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--teal);
  flex-shrink: 0;
}
@keyframes marqueeScroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}

/* ═══════════════════════════════════════════════════════════
   STATS
═══════════════════════════════════════════════════════════ */
.stats-section {
  position: relative;
  z-index: 1;
  padding: 60px 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
@media (max-width: 760px) { .stats-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 420px) { .stats-grid { grid-template-columns: 1fr 1fr; gap: 14px; } }

.stat-card {
  padding: 28px 24px;
  border-radius: var(--radius);
  background: linear-gradient(160deg, rgba(255,255,255,.95), var(--bg-3));
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  position: relative;
  overflow: hidden;
  transition: transform .25s ease, box-shadow .25s ease;
}
.stat-card::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--blue-soft), transparent 60%);
  opacity: 0;
  transition: opacity .3s;
}
.stat-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.stat-card:hover::before { opacity: 1; }
.stat-num {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 42px;
  font-weight: 800;
  background: linear-gradient(135deg, var(--blue), var(--teal));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  line-height: 1;
  margin-bottom: 8px;
}
.stat-label { font-size: 13px; color: var(--muted); font-weight: 500; }

/* ═══════════════════════════════════════════════════════════
   CATEGORIES
═══════════════════════════════════════════════════════════ */
.cat-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
@media (max-width: 900px) { .cat-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .cat-grid { grid-template-columns: 1fr; } }

.cat-card {
  padding: 28px 24px;
  border-radius: var(--radius-lg);
  background: var(--bg);
  border: 1.5px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: transform .28s ease, border-color .28s ease, box-shadow .28s ease;
  position: relative;
  overflow: hidden;
}
.cat-card::after {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: var(--radius-lg);
  background: linear-gradient(135deg, rgba(41,98,255,.05), rgba(34,211,184,.05));
  opacity: 0;
  transition: opacity .3s;
}
.cat-card:hover {
  transform: translateY(-6px);
  border-color: rgba(41,98,255,.35);
  box-shadow: 0 20px 50px rgba(41,98,255,.12);
}
.cat-card:hover::after { opacity: 1; }
.cat-icon {
  width: 56px; height: 56px;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--blue-soft), var(--teal-soft));
  border: 1px solid var(--border);
  display: grid;
  place-items: center;
  font-size: 26px;
  margin-bottom: 18px;
  position: relative;
  z-index: 1;
  transition: box-shadow .28s;
}
.cat-card:hover .cat-icon {
  box-shadow: 0 8px 24px rgba(41,98,255,.2);
}
.cat-card h3 {
  font-size: 17px;
  font-weight: 700;
  margin-bottom: 8px;
  position: relative;
  z-index: 1;
}
.cat-card p {
  font-size: 13.5px;
  color: var(--muted);
  line-height: 1.6;
  margin-bottom: 16px;
  position: relative;
  z-index: 1;
}
.cat-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  position: relative;
  z-index: 1;
}
.tag {
  font-size: 11px;
  font-weight: 600;
  color: var(--blue);
  background: var(--blue-soft);
  border: 1px solid rgba(41,98,255,.15);
  border-radius: 100px;
  padding: 3px 10px;
}

/* ═══════════════════════════════════════════════════════════
   HOW IT WORKS
═══════════════════════════════════════════════════════════ */
.how-section { background: var(--bg-2); }
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  position: relative;
}
.steps-grid::before {
  content: "";
  position: absolute;
  top: 40px;
  left: calc(16.6% + 20px);
  right: calc(16.6% + 20px);
  height: 2px;
  background: linear-gradient(90deg, var(--blue), var(--teal));
  opacity: .25;
  pointer-events: none;
}
@media (max-width: 760px) {
  .steps-grid { grid-template-columns: 1fr; }
  .steps-grid::before { display: none; }
}
.step-card {
  padding: 32px 24px;
  border-radius: var(--radius-lg);
  background: var(--bg);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  text-align: center;
  transition: transform .28s ease, box-shadow .28s ease;
}
.step-card:hover { transform: translateY(-5px); box-shadow: var(--shadow); }
.step-num {
  width: 56px; height: 56px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--blue), var(--blue-2));
  color: #fff;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 18px;
  font-weight: 800;
  display: grid;
  place-items: center;
  margin: 0 auto 20px;
  box-shadow: 0 8px 24px rgba(41,98,255,.3);
}
.step-label {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: .15em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 10px;
}
.step-card h3 { font-size: 18px; font-weight: 700; margin-bottom: 10px; }
.step-card p  { font-size: 14px; color: var(--muted); line-height: 1.65; }

/* ═══════════════════════════════════════════════════════════
   TRUST / WHY US
═══════════════════════════════════════════════════════════ */
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
@media (max-width: 900px) { .trust-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 500px) { .trust-grid { grid-template-columns: 1fr; } }

.trust-card {
  padding: 26px 22px;
  border-radius: var(--radius);
  background: linear-gradient(160deg, rgba(255,255,255,.95), var(--bg-3));
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  text-align: center;
  transition: transform .25s ease, box-shadow .25s ease;
}
.trust-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.trust-icon {
  font-size: 34px;
  margin-bottom: 14px;
  display: block;
}
.trust-card h4 { font-size: 15px; font-weight: 700; margin-bottom: 6px; }
.trust-card p  { font-size: 13px; color: var(--muted); line-height: 1.5; }

/* ═══════════════════════════════════════════════════════════
   CTA BAND
═══════════════════════════════════════════════════════════ */
.cta-band {
  position: relative;
  z-index: 1;
  overflow: hidden;
  background: linear-gradient(135deg, var(--dark) 0%, var(--dark-2) 50%, #122050 100%);
  padding: 80px 0;
}
.cta-band::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(700px 400px at 0% 50%,   rgba(41,98,255,.25), transparent 60%),
    radial-gradient(600px 400px at 100% 50%, rgba(34,211,184,.18), transparent 60%);
  pointer-events: none;
}
.cta-band-inner {
  position: relative;
  z-index: 1;
  text-align: center;
}
.cta-band h2 {
  font-size: clamp(28px, 4vw, 46px);
  font-weight: 800;
  color: #fff;
  margin-bottom: 16px;
}
.cta-band p {
  color: rgba(255,255,255,.7);
  font-size: 16px;
  max-width: 520px;
  margin: 0 auto 36px;
  line-height: 1.7;
}
.cta-band-buttons { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ═══════════════════════════════════════════════════════════
   FOOTER
═══════════════════════════════════════════════════════════ */
footer {
  background: var(--dark);
  color: rgba(255,255,255,.65);
  padding: 56px 0 28px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}
@media (max-width: 760px) {
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
}
.footer-brand img { height: 42px; margin-bottom: 14px; }
.footer-brand p {
  font-size: 13.5px;
  line-height: 1.65;
  max-width: 280px;
  color: rgba(255,255,255,.55);
}
.footer-col h5 {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: rgba(255,255,255,.45);
  margin-bottom: 16px;
}
.footer-col a {
  display: block;
  font-size: 14px;
  color: rgba(255,255,255,.65);
  margin-bottom: 10px;
  transition: color .2s;
}
.footer-col a:hover { color: var(--teal); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding-top: 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom p { font-size: 13px; }
.footer-badges { display: flex; align-items: center; gap: 14px; }
.footer-badge-pill {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .06em;
  color: rgba(255,255,255,.55);
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 100px;
  padding: 5px 12px;
}

/* ═══════════════════════════════════════════════════════════
   AUTH MODAL — Split Panel
═══════════════════════════════════════════════════════════ */
#authBackdrop {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(5,12,35,.72);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  z-index: 999;
}
#authBackdrop.open {
  display: block;
  animation: fadeBackdrop .3s ease forwards;
}
@keyframes fadeBackdrop {
  from { opacity: 0; }
  to   { opacity: 1; }
}

#authModal {
  display: none;
  position: fixed;
  top: 50%; left: 50%;
  z-index: 1000;
  width: min(920px, 96vw);
  height: min(580px, 92vh);
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 48px 120px rgba(5,12,35,.5), 0 0 0 1px rgba(255,255,255,.07);
}
#authModal.open {
  display: flex;
  animation: slideModal .38s cubic-bezier(.34,1.28,.64,1) forwards;
}
@keyframes slideModal {
  from { opacity: 0; transform: translate(-50%, -46%) scale(.95); }
  to   { opacity: 1; transform: translate(-50%, -50%) scale(1); }
}

/* ── Left branding panel ─────────────────────────────────── */
.auth-panel-left {
  width: 38%;
  min-width: 270px;
  background: linear-gradient(150deg, #080f2a 0%, #111e46 35%, #1a3380 70%, #2356e8 110%);
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 48px 40px 48px 40px;
  color: #fff;
  flex-shrink: 0;
}
/* Glow blobs */
.auth-panel-left::before {
  content: '';
  position: absolute;
  width: 280px; height: 280px;
  background: radial-gradient(circle, rgba(34,211,184,.22) 0%, transparent 68%);
  top: -80px; right: -80px;
  border-radius: 50%;
  pointer-events: none;
}
.auth-panel-left::after {
  content: '';
  position: absolute;
  width: 220px; height: 220px;
  background: radial-gradient(circle, rgba(41,98,255,.3) 0%, transparent 68%);
  bottom: -60px; left: -60px;
  border-radius: 50%;
  pointer-events: none;
}
/* Wavy right edge */
.auth-left-wave {
  position: absolute;
  right: -1px; top: 0;
  width: 54px; height: 100%;
  z-index: 3;
  pointer-events: none;
}
.auth-left-wave svg { width: 100%; height: 100%; display: block; }

.auth-modal-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 28px;
  position: relative;
  z-index: 2;
}
.auth-modal-brand img {
  height: 40px;
  width: auto;
  border-radius: 10px;
}
.auth-modal-brand-name {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.3rem;
  font-weight: 800;
  color: #fff;
  letter-spacing: -.4px;
}
.auth-modal-brand-name span { color: #22d3b8; }

.auth-modal-welcome {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.8rem;
  font-weight: 800;
  color: #fff;
  line-height: 1.2;
  margin: 0 0 14px;
  position: relative;
  z-index: 2;
}
.auth-modal-welcome em {
  font-style: normal;
  background: linear-gradient(120deg, #22d3b8, #7dd3fc);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.auth-modal-sub {
  font-size: 14px;
  color: rgba(255,255,255,.68);
  line-height: 1.65;
  margin: 0 0 32px;
  position: relative;
  z-index: 2;
}
.auth-modal-badges {
  display: flex;
  flex-direction: column;
  gap: 11px;
  position: relative;
  z-index: 2;
}
.auth-modal-badge {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  font-weight: 500;
  color: rgba(255,255,255,.8);
}
.auth-modal-badge-icon {
  width: 30px; height: 30px;
  border-radius: 8px;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.12);
  display: flex; align-items: center; justify-content: center;
  font-size: 14px;
  flex-shrink: 0;
}

/* ── Right form panel ──────────────────────────────────── */
.auth-panel-right {
  flex: 1;
  background: #fff;
  display: flex;
  flex-direction: column;
  overflow-y: auto;
  position: relative;
}

/* Close button */
.auth-close {
  position: absolute;
  top: 14px; right: 14px;
  width: 34px; height: 34px;
  background: var(--bg-3);
  border: 1.5px solid var(--border);
  border-radius: 50%;
  color: var(--muted);
  font-size: 15px;
  cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: background .2s, color .2s;
  z-index: 5;
  line-height: 1;
  padding: 0;
}
.auth-close:hover { background: #e9eaf0; color: var(--dark); }

/* Tabs */
.auth-tabs {
  display: flex;
  border-bottom: 1.5px solid var(--border);
  padding: 0 32px;
  margin-top: 54px;
}
.auth-tab {
  flex: 1;
  background: none;
  border: none;
  border-bottom: 2.5px solid transparent;
  margin-bottom: -1.5px;
  padding: 13px 0;
  font-size: 14px;
  font-weight: 700;
  color: var(--muted);
  cursor: pointer;
  transition: color .2s, border-color .2s;
  font-family: inherit;
}
.auth-tab.active { color: var(--blue); border-bottom-color: var(--blue); }
.auth-tab:hover:not(.active) { color: var(--dark); }

.auth-body {
  padding: 22px 32px 28px;
  flex: 1;
}

/* Form fields */
.auth-label {
  display: block;
  font-size: 11.5px;
  font-weight: 700;
  color: var(--muted);
  margin-bottom: 6px;
  text-transform: uppercase;
  letter-spacing: .07em;
}
.inp-wrap, .pwd-wrap {
  position: relative;
  margin-bottom: 14px;
}
.inp-icon {
  position: absolute;
  left: 12px;
  top: 50%;
  transform: translateY(-50%);
  width: 16px; height: 16px;
  pointer-events: none;
}
.auth-input {
  width: 100%;
  padding: 12px 14px 12px 38px;
  border: 1.5px solid var(--border-2);
  border-radius: var(--radius-sm);
  font-size: 14px;
  color: var(--text);
  background: var(--bg);
  outline: none;
  transition: border-color .2s, box-shadow .2s;
  font-family: inherit;
  box-sizing: border-box;
}
.auth-input:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(41,98,255,.10);
}
.pwd-eye {
  position: absolute;
  right: 10px;
  top: 50%;
  transform: translateY(-50%);
  background: none;
  border: none;
  cursor: pointer;
  font-size: 16px;
  padding: 4px;
  line-height: 1;
  color: var(--muted);
}
.auth-btn {
  width: 100%;
  padding: 13px;
  background: linear-gradient(135deg, var(--blue), var(--blue-2));
  color: #fff;
  border: none;
  border-radius: var(--radius-sm);
  font-size: 14px;
  font-weight: 700;
  cursor: pointer;
  transition: opacity .2s;
  position: relative;
  margin-top: 4px;
   font-family: inherit;
}
.auth-btn:hover { opacity: .91; }
.auth-btn:disabled { opacity: .6; cursor: not-allowed; }
.auth-btn .btn-label { display: inline-block; }
.auth-btn .btn-spin {
  display: none;
  width: 16px; height: 16px;
  border: 2px solid rgba(255,255,255,.35);
  border-top-color: #fff;
  border-radius: 50%;
  animation: spin .7s linear infinite;
  margin: 0 auto;
}
.auth-btn.loading .btn-label { display: none; }
.auth-btn.loading .btn-spin  { display: block; }
@keyframes spin { to { transform: rotate(360deg); } }

.auth-error {
  display: none;
  background: #fff1f1;
  border: 1px solid #fca5a5;
  color: #b91c1c;
  font-size: 13px;
  border-radius: 8px;
  padding: 10px 12px;
  margin-bottom: 14px;
}
.auth-error.show { display: block; }

.auth-hint {
  font-size: 13px;
  color: var(--muted);
  margin-bottom: 12px;
}
.auth-switch {
  text-align: center;
  font-size: 13px;
  color: var(--muted);
  margin-top: 14px;
  padding-top: 14px;
  border-top: 1px solid var(--border);
}
.auth-switch a { color: var(--blue); font-weight: 600; cursor: pointer; }
.auth-switch a:hover { text-decoration: underline; }

.auth-step-dots {
  display: flex;
  gap: 6px;
  justify-content: center;
  margin-bottom: 18px;
}
.auth-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--border-2);
  transition: background .2s, transform .2s;
}
.auth-dot.active { background: var(--blue); transform: scale(1.25); }
.auth-dot.done   { background: var(--teal); }

.auth-step { display: none; }
.auth-step.active { display: block; }

.auth-back {
  display: block;
  text-align: center;
  font-size: 12px;
  color: var(--muted);
  cursor: pointer;
  margin-top: 12px;
  transition: color .2s;
}
.auth-back:hover { color: var(--blue); }

.auth-success { text-align: center; padding: 20px 0 12px; }
.auth-success .s-icon { font-size: 52px; margin-bottom: 12px; }
.auth-success h3 { font-size: 20px; font-weight: 700; margin-bottom: 8px; }
.auth-success p { font-size: 14px; color: var(--muted); margin-bottom: 20px; }

/* ── Mobile auth modal ────────────────────────────────────── */
@media (max-width: 640px) {
  #authModal {
    flex-direction: column;
    width: 95vw;
    height: 90vh;
    max-height: 720px;
    border-radius: 20px;
  }
  .auth-panel-left {
    width: 100%;
    min-width: unset;
    padding: 18px 22px;
    flex-direction: row;
    align-items: center;
    gap: 14px;
    justify-content: flex-start;
    flex-shrink: 0;
  }
  .auth-panel-left::before, .auth-panel-left::after { display: none; }
  .auth-left-wave { display: none; }
  .auth-modal-welcome, .auth-modal-sub, .auth-modal-badges { display: none; }
  .auth-modal-brand { margin-bottom: 0; }
  .auth-panel-right { flex: 1; overflow-y: auto; }
  .auth-tabs { margin-top: 14px; padding: 0 20px; }
  .auth-body { padding: 18px 20px 22px; }
}

/* ── Hero split: left-panel text colours ─────────────────── */
/* All copy inside hero-copy sits on the dark navy panel */
.hero .hero-copy { position: relative; z-index: 1; }
.hero .hero-cards { position: relative; z-index: 1; }

.hero h1.hero-title { color: #fff; }

.hero .grad-text {
  background: linear-gradient(135deg, #7ab4ff, #22d3b8);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.hero .hero-lead { color: rgba(255,255,255,.70); }

.hero .hero-pill {
  background: rgba(34,211,184,.14);
  border-color: rgba(34,211,184,.38);
}
.hero .hero-pill span { color: rgba(255,255,255,.88); }

.hero .hero-badge { color: rgba(255,255,255,.62); }
.hero .hero-badge-icon { background: rgba(255,255,255,.10); }

/* Ghost button adapts to dark panel */
.hero .btn-ghost {
  background: rgba(255,255,255,.12);
  color: #fff;
  border-color: rgba(255,255,255,.25);
}
.hero .btn-ghost:hover { background: rgba(255,255,255,.20); }

/* Insurance cards — coloured tint already set above; no override needed */

/* Blobs: keep only the two on the dark side */
.hero-blob-3 { display: none; }

/* Responsive: stack vertically → restore full-width dark bg */
@media (max-width: 900px) {
  .hero::before,
  .hero::after {
    clip-path: polygon(0 0, 100% 0, 100% 58%, 0 68%);
  }
  .hero h1.hero-title { color: #fff; }
  .hero .hero-lead { color: rgba(255,255,255,.72); }
  .hero-cards { padding-left: 0; }
}