/* ============================================================
   商业保险配置中心 - Global Styles
   ============================================================ */

/* ---- CSS Variables ---- */
:root {
    /* Brand Colors */
    --navy: #0f172a;
    --navy-dark: #020617;
    --navy-light: #1e293b;
    --teal: #0d9488;
    --teal-dark: #0f766e;
    --teal-light: #14b8a6;
    --amber: #d97706;
    --amber-dark: #b45309;
    --amber-light: #f59e0b;

    /* Text */
    --text-primary: #0f172a;
    --text-secondary: #475569;
    --text-muted: #94a3b8;

    /* Backgrounds */
    --bg-white: #ffffff;
    --bg-alt: #f8fafc;
    --bg-section: #f1f5f9;

    /* Borders */
    --border: #e2e8f0;
    --border-light: #f1f5f9;

    /* Fonts */
    --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Microsoft YaHei', 'PingFang SC', sans-serif;

    /* Spacing */
    --space-xs: 4px;
    --space-sm: 8px;
    --space-md: 16px;
    --space-lg: 24px;
    --space-xl: 32px;
    --space-2xl: 48px;
    --space-3xl: 64px;
    --space-4xl: 96px;

    /* Shadows */
    --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
    --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.1), 0 2px 4px -2px rgba(0,0,0,0.1);
    --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.1), 0 4px 6px -4px rgba(0,0,0,0.1);
    --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.1), 0 8px 10px -6px rgba(0,0,0,0.1);

    /* Radius */
    --radius-sm: 6px;
    --radius-md: 8px;
    --radius-lg: 12px;
    --radius-xl: 16px;
    --radius-full: 9999px;

    /* Transitions */
    --transition-fast: 150ms ease;
    --transition-base: 200ms ease;
    --transition-slow: 300ms ease;
}

/* ---- Reset & Base ---- */
*, *::before, *::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    -webkit-text-size-adjust: 100%;
}

body {
    font-family: var(--font-sans);
    color: var(--text-primary);
    background: var(--bg-white);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}

a {
    color: inherit;
    text-decoration: none;
}

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

ul, ol {
    list-style: none;
}

button {
    font-family: inherit;
    cursor: pointer;
    border: none;
    background: none;
}

/* ---- Container ---- */
.container {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 24px;
}

.container-narrow {
    max-width: 960px;
    margin: 0 auto;
    padding: 0 24px;
}

.container-xs {
    max-width: 768px;
    margin: 0 auto;
    padding: 0 24px;
}

/* ---- Top Bar ---- */
.top-bar {
    background: var(--navy);
    color: #fff;
    font-size: 14px;
}

.top-bar .container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 40px;
}

.top-bar-left {
    display: flex;
    align-items: center;
    gap: 24px;
}

.top-bar-left a {
    display: flex;
    align-items: center;
    gap: 6px;
    color: #fff;
    transition: color var(--transition-base);
}

.top-bar-left a:hover {
    color: var(--amber-light);
}

.top-bar-left .work-hours {
    display: flex;
    align-items: center;
    gap: 6px;
    color: rgba(255,255,255,0.8);
}

.top-bar-right a {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: var(--amber);
    color: #fff;
    padding: 5px 16px;
    border-radius: var(--radius-md);
    font-size: 12px;
    font-weight: 600;
    transition: background var(--transition-base);
}

.top-bar-right a:hover {
    background: var(--amber-dark);
}

/* ---- Header ---- */
.header {
    background: var(--bg-white);
    border-bottom: 1px solid var(--border);
    position: sticky;
    top: 0;
    z-index: 100;
    transition: box-shadow var(--transition-slow);
}

.header.scrolled {
    box-shadow: var(--shadow-lg);
}

.header .container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 64px;
}

/* Logo */
.logo a {
    display: flex;
    align-items: center;
    gap: 8px;
    text-decoration: none;
    color: var(--navy);
    transition: opacity var(--transition-base);
}

.logo a:hover {
    opacity: 0.85;
}

.logo-icon {
    width: 32px;
    height: 32px;
    color: var(--teal);
}

.logo-text {
    font-size: 20px;
    font-weight: 700;
    color: var(--navy);
}

/* Navigation */
.nav-menu {
    display: flex;
    align-items: center;
    gap: 4px;
}

.nav-menu a {
    padding: 8px 12px;
    font-size: 14px;
    font-weight: 500;
    color: var(--text-secondary);
    border-radius: var(--radius-md);
    transition: all var(--transition-base);
    white-space: nowrap;
}

.nav-menu a:hover,
.nav-menu a.active {
    color: var(--teal);
    background: rgba(13,148,136,0.05);
}

/* NYC Dropdown */
.nav-dropdown {
    position: relative;
}

.nav-dropdown-btn {
    display: flex;
    align-items: center;
    gap: 4px;
    padding: 8px 12px;
    font-size: 14px;
    font-weight: 500;
    color: var(--text-secondary);
    border-radius: var(--radius-md);
    transition: all var(--transition-base);
    cursor: pointer;
}

.nav-dropdown-btn:hover {
    color: var(--teal);
    background: rgba(13,148,136,0.05);
}

.nav-dropdown-btn i {
    font-size: 10px;
    transition: transform var(--transition-base);
}

.nav-dropdown.open .nav-dropdown-btn i {
    transform: rotate(180deg);
}

.nav-dropdown-menu {
    display: none;
    position: absolute;
    top: calc(100% + 4px);
    left: 0;
    width: 260px;
    background: var(--bg-white);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-xl);
    border: 1px solid var(--border);
    padding: 8px 0;
    z-index: 50;
}

.nav-dropdown.open .nav-dropdown-menu {
    display: block;
}

.nav-dropdown-menu a {
    display: block;
    padding: 10px 16px;
    font-size: 14px;
    color: var(--text-secondary);
    transition: all var(--transition-base);
}

.nav-dropdown-menu a:hover {
    color: var(--teal);
    background: var(--bg-alt);
}

/* Nav CTA */
.nav-cta {
    display: flex;
    align-items: center;
    gap: 12px;
}

.nav-cta .btn-outline-amber {
    display: flex;
    align-items: center;
    gap: 6px;
    padding: 8px 16px;
    border: 2px solid var(--amber);
    color: var(--amber);
    border-radius: var(--radius-lg);
    font-size: 14px;
    font-weight: 600;
    transition: all var(--transition-base);
}

.nav-cta .btn-outline-amber:hover {
    background: var(--amber);
    color: #fff;
}

.nav-cta .btn-amber {
    display: flex;
    align-items: center;
    gap: 6px;
    padding: 8px 20px;
    background: var(--amber);
    color: #fff;
    border-radius: var(--radius-lg);
    font-size: 14px;
    font-weight: 600;
    transition: background var(--transition-base);
    box-shadow: 0 4px 12px rgba(217,119,6,0.2);
}

.nav-cta .btn-amber:hover {
    background: var(--amber-dark);
}

/* Mobile Menu Toggle */
.mobile-menu-btn {
    display: none;
    padding: 8px;
    color: var(--text-secondary);
    border-radius: var(--radius-md);
    transition: all var(--transition-base);
}

.mobile-menu-btn:hover {
    color: var(--navy);
    background: var(--bg-alt);
}

.mobile-menu-btn i {
    font-size: 24px;
}

/* Mobile Menu Panel */
.mobile-menu {
    display: none;
    position: fixed;
    inset: 64px 0 0 0;
    z-index: 99;
}

.mobile-menu.active {
    display: block;
}

.mobile-menu-backdrop {
    position: absolute;
    inset: 0;
    background: rgba(0,0,0,0.3);
}

.mobile-menu-panel {
    position: relative;
    background: var(--bg-white);
    height: 100%;
    overflow-y: auto;
    padding-bottom: 80px;
}

.mobile-menu-panel nav {
    padding: 16px;
}

.mobile-menu-panel nav a {
    display: block;
    padding: 12px 16px;
    border-radius: var(--radius-lg);
    font-size: 16px;
    font-weight: 500;
    color: var(--text-primary);
    transition: background var(--transition-base);
}

.mobile-menu-panel nav a:hover,
.mobile-menu-panel nav a.active {
    background: var(--bg-alt);
    color: var(--teal);
}

.mobile-nyc-toggle {
    display: flex;
    align-items: center;
    justify-content: space-between;
    width: 100%;
    padding: 12px 16px;
    border-radius: var(--radius-lg);
    font-size: 16px;
    font-weight: 500;
    color: var(--text-primary);
    transition: background var(--transition-base);
}

.mobile-nyc-toggle:hover {
    background: var(--bg-alt);
}

.mobile-nyc-toggle i {
    font-size: 12px;
    transition: transform var(--transition-base);
}

.mobile-nyc-list {
    display: none;
    margin-left: 16px;
    padding-left: 16px;
    border-left: 2px solid rgba(13,148,136,0.2);
}

.mobile-nyc-list.open {
    display: block;
}

.mobile-nyc-list a {
    padding: 10px 12px;
    font-size: 14px;
    color: var(--text-secondary);
}

.mobile-menu-cta {
    padding: 16px;
    border-top: 1px solid var(--border);
    margin-top: 8px;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.mobile-menu-cta a {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px;
    border-radius: var(--radius-lg);
    font-weight: 600;
    transition: all var(--transition-base);
}

/* ---- Buttons ---- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 12px 24px;
    border-radius: var(--radius-lg);
    font-size: 14px;
    font-weight: 600;
    transition: all var(--transition-base);
    cursor: pointer;
    border: none;
    text-decoration: none;
}

.btn-amber {
    background: var(--amber);
    color: #fff;
    box-shadow: 0 4px 12px rgba(217,119,6,0.25);
}
.btn-amber:hover { background: var(--amber-dark); }

.btn-teal {
    background: var(--teal);
    color: #fff;
    box-shadow: 0 4px 12px rgba(13,148,136,0.25);
}
.btn-teal:hover { background: var(--teal-dark); }

.btn-navy {
    background: var(--navy);
    color: #fff;
    box-shadow: 0 4px 12px rgba(15,23,42,0.25);
}
.btn-navy:hover { background: var(--navy-dark); }

.btn-outline-navy {
    border: 2px solid var(--navy);
    color: var(--navy);
    background: transparent;
}
.btn-outline-navy:hover { background: var(--navy); color: #fff; }

.btn-outline-teal {
    border: 2px solid var(--teal);
    color: var(--teal);
    background: transparent;
}
.btn-outline-teal:hover { background: var(--teal); color: #fff; }

.btn-outline-white {
    border: 2px solid #fff;
    color: #fff;
    background: transparent;
}
.btn-outline-white:hover { background: rgba(255,255,255,0.1); }

.btn-white {
    background: #fff;
    color: var(--amber-dark);
    box-shadow: var(--shadow-lg);
}
.btn-white:hover { background: var(--bg-alt); }

.btn-sm {
    padding: 8px 16px;
    font-size: 13px;
}

.btn-lg {
    padding: 14px 28px;
    font-size: 16px;
}

/* ---- Sections ---- */
.section {
    padding: 64px 0;
}

.section-lg {
    padding: 80px 0;
}

.section-gray {
    background: var(--bg-section);
}

.section-white {
    background: var(--bg-white);
}

.section-header {
    text-align: center;
    margin-bottom: 48px;
}

.section-header h2 {
    font-size: 28px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 16px;
    line-height: 1.3;
}

.section-header p {
    font-size: 18px;
    color: var(--text-secondary);
    max-width: 640px;
    margin: 0 auto;
    line-height: 1.6;
}

/* ---- Hero ---- */
.hero {
    position: relative;
    background: linear-gradient(to bottom, var(--bg-white), var(--bg-alt), var(--bg-section));
    overflow: hidden;
    padding: 64px 0 48px;
}

.hero-deco {
    position: absolute;
    inset: 0;
    pointer-events: none;
}

.hero-deco .circle-1 {
    position: absolute;
    top: 0;
    right: 0;
    width: 384px;
    height: 384px;
    background: rgba(13,148,136,0.05);
    border-radius: 50%;
    transform: translate(33%, -50%);
}

.hero-deco .circle-2 {
    position: absolute;
    bottom: 0;
    left: 0;
    width: 320px;
    height: 320px;
    background: rgba(15,23,42,0.05);
    border-radius: 50%;
    transform: translate(-25%, 33%);
}

.hero-content {
    position: relative;
    text-align: center;
    max-width: 896px;
    margin: 0 auto;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 6px 16px;
    border-radius: var(--radius-full);
    background: rgba(13,148,136,0.1);
    color: var(--teal);
    font-size: 14px;
    font-weight: 500;
    margin-bottom: 24px;
}

.hero h1 {
    font-size: 36px;
    font-weight: 700;
    color: var(--navy);
    line-height: 1.25;
    margin-bottom: 24px;
}

.hero h1 .highlight {
    color: var(--teal);
}

.hero-subtitle {
    font-size: 18px;
    color: var(--text-secondary);
    line-height: 1.6;
    margin-bottom: 40px;
    max-width: 768px;
    margin-left: auto;
    margin-right: auto;
}

.hero-buttons {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: center;
    gap: 12px;
    margin-bottom: 32px;
}

/* ---- Trust Bar ---- */
.trust-bar {
    background: var(--bg-section);
    border-top: 1px solid var(--border);
    padding: 16px 0;
}

.trust-bar .container {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: center;
    gap: 24px;
}

.trust-bar-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    color: var(--text-muted);
}

.trust-bar-item i {
    color: var(--teal);
}

/* ---- Industry Cards Grid ---- */
.industry-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
}

.industry-card {
    display: block;
    background: var(--bg-alt);
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    padding: 20px 24px;
    transition: all var(--transition-base);
    text-decoration: none;
}

.industry-card:hover {
    background: var(--bg-white);
    border-color: rgba(13,148,136,0.4);
    box-shadow: var(--shadow-lg);
}

.industry-card .card-icon {
    width: 48px;
    height: 48px;
    border-radius: var(--radius-lg);
    background: rgba(13,148,136,0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 16px;
    transition: background var(--transition-base);
}

.industry-card:hover .card-icon {
    background: rgba(13,148,136,0.2);
}

.industry-card .card-icon i {
    font-size: 24px;
    color: var(--teal);
}

.industry-card h3 {
    font-size: 16px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 6px;
}

.industry-card p {
    font-size: 14px;
    color: var(--text-muted);
    line-height: 1.5;
    margin-bottom: 12px;
}

.industry-card .card-link {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    font-size: 14px;
    font-weight: 500;
    color: var(--teal);
    transition: gap var(--transition-base);
}

.industry-card:hover .card-link {
    gap: 8px;
}

/* ---- Process Steps ---- */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}

.step-card {
    position: relative;
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    padding: 24px;
    text-align: center;
}

.step-number {
    position: absolute;
    top: -12px;
    left: 50%;
    transform: translateX(-50%);
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: var(--navy);
    color: #fff;
    font-size: 14px;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
}

.step-card .step-icon {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: rgba(13,148,136,0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 12px auto 16px;
}

.step-card .step-icon i {
    font-size: 28px;
    color: var(--teal);
}

.step-card h3 {
    font-size: 18px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 8px;
}

.step-card p {
    font-size: 14px;
    color: var(--text-muted);
    line-height: 1.5;
}

/* ---- Lease Requirements Box ---- */
.requirements-box {
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    padding: 24px 32px;
    max-width: 896px;
    margin: 0 auto;
}

.requirements-box h3 {
    font-size: 18px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 16px;
    display: flex;
    align-items: center;
    gap: 8px;
}

.requirements-box h3 i {
    color: var(--teal);
}

.requirements-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
}

.requirement-item {
    display: flex;
    align-items: flex-start;
    gap: 8px;
}

.requirement-item i {
    color: var(--teal);
    font-size: 14px;
    margin-top: 3px;
    flex-shrink: 0;
}

.requirement-item span {
    font-size: 14px;
    color: var(--text-secondary);
}

/* ---- Tool Tabs ---- */
.tool-tabs {
    max-width: 960px;
    margin: 0 auto;
}

.tool-tabs-nav {
    display: flex;
    border: 1px solid var(--border);
    border-radius: var(--radius-xl) var(--radius-xl) 0 0;
    overflow: hidden;
}

.tool-tab-btn {
    flex: 1;
    padding: 16px 20px;
    font-size: 14px;
    font-weight: 600;
    color: var(--text-muted);
    background: var(--bg-alt);
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    cursor: pointer;
    transition: all var(--transition-base);
    border: none;
}

.tool-tab-btn:hover {
    color: var(--text-secondary);
    background: var(--bg-section);
}

.tool-tab-btn.active {
    color: var(--navy);
    background: var(--bg-white);
    border-bottom: 3px solid var(--teal);
}

.tool-tab-content {
    border: 1px solid var(--border);
    border-top: none;
    border-radius: 0 0 var(--radius-xl) var(--radius-xl);
    background: var(--bg-white);
    padding: 32px;
}

.tool-panel {
    display: none;
}

.tool-panel.active {
    display: block;
}

.tool-panel h4 {
    font-size: 20px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 12px;
}

.tool-panel p {
    color: var(--text-secondary);
    margin-bottom: 24px;
    line-height: 1.6;
}

.tool-steps {
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin-bottom: 24px;
}

.tool-step {
    display: flex;
    align-items: flex-start;
    gap: 12px;
}

.tool-step-num {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: rgba(13,148,136,0.1);
    color: var(--teal);
    font-size: 13px;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.tool-step span {
    font-size: 14px;
    color: var(--text-secondary);
    line-height: 1.6;
    padding-top: 3px;
}

/* ---- Coverage Cards Grid ---- */
.coverage-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
}

.coverage-card {
    display: block;
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    padding: 20px;
    transition: all var(--transition-base);
    text-decoration: none;
}

.coverage-card:hover {
    border-color: rgba(13,148,136,0.4);
    box-shadow: var(--shadow-md);
    transform: translateY(-2px);
}

.coverage-card .card-icon {
    width: 40px;
    height: 40px;
    border-radius: var(--radius-md);
    background: rgba(13,148,136,0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 12px;
}

.coverage-card .card-icon i {
    font-size: 18px;
    color: var(--teal);
}

.coverage-card h3 {
    font-size: 15px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 4px;
}

.coverage-card p {
    font-size: 13px;
    color: var(--text-muted);
    line-height: 1.5;
    margin-bottom: 10px;
}

.coverage-card .card-link {
    display: inline-flex;
    align-items: center;
    gap: 4px;
    font-size: 13px;
    font-weight: 500;
    color: var(--teal);
}

/* ---- Claims & Risk Section ---- */
.claims-risk-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
}

.claims-risk-card {
    background: var(--bg-alt);
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    padding: 24px 32px;
}

.claims-risk-card .card-header {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 24px;
}

.claims-risk-card .card-header-icon {
    width: 48px;
    height: 48px;
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
}

.claims-risk-card .card-header-icon.amber {
    background: rgba(217,119,6,0.1);
    color: var(--amber);
}

.claims-risk-card .card-header-icon.teal {
    background: rgba(13,148,136,0.1);
    color: var(--teal);
}

.claims-risk-card .card-header-icon i {
    font-size: 24px;
}

.claims-risk-card .card-header h3 {
    font-size: 20px;
    font-weight: 700;
    color: var(--navy);
}

.claims-risk-card .card-header p {
    font-size: 14px;
    color: var(--text-muted);
}

.claims-risk-card h4 {
    font-size: 15px;
    font-weight: 600;
    color: var(--navy);
    margin-bottom: 12px;
}

.numbered-list {
    display: flex;
    flex-direction: column;
    gap: 8px;
    margin-bottom: 24px;
}

.numbered-list li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
}

.numbered-list .num {
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: var(--amber);
    color: #fff;
    font-size: 11px;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    margin-top: 2px;
}

.numbered-list span {
    font-size: 14px;
    color: var(--text-secondary);
}

.check-list {
    display: flex;
    flex-direction: column;
    gap: 8px;
    margin-bottom: 24px;
}

.check-list li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
}

.check-list li i {
    color: var(--teal);
    font-size: 14px;
    margin-top: 3px;
    flex-shrink: 0;
}

.check-list li span {
    font-size: 14px;
    color: var(--text-secondary);
}

.card-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
}

.card-actions a {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 14px;
    font-weight: 600;
    transition: gap var(--transition-base);
}

.card-actions a:hover {
    gap: 10px;
}

.card-actions .link-amber { color: var(--amber); }
.card-actions .link-teal { color: var(--teal); }
.card-actions .link-navy { color: var(--navy); }

/* ---- GEO Answer Blocks ---- */
.geo-block {
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    overflow: hidden;
    margin-bottom: 24px;
}

.geo-block-header {
    padding: 20px 24px;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    transition: background var(--transition-base);
}

.geo-block-header:hover {
    background: var(--bg-alt);
}

.geo-block-header h3 {
    font-size: 16px;
    font-weight: 700;
    color: var(--navy);
    display: flex;
    align-items: center;
    gap: 8px;
}

.geo-block-header h3 i {
    color: var(--teal);
}

.geo-block-header .toggle-icon {
    font-size: 12px;
    color: var(--text-muted);
    transition: transform var(--transition-base);
    flex-shrink: 0;
}

.geo-block.open .geo-block-header .toggle-icon {
    transform: rotate(180deg);
}

.geo-block-body {
    display: none;
    padding: 0 24px 20px;
}

.geo-block.open .geo-block-body {
    display: block;
}

.geo-block-body .answer {
    font-size: 14px;
    color: var(--text-secondary);
    line-height: 1.7;
    margin-bottom: 16px;
}

.geo-block-body .points {
    display: flex;
    flex-direction: column;
    gap: 8px;
    margin-bottom: 16px;
}

.geo-block-body .points li {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    font-size: 14px;
    color: var(--text-secondary);
    line-height: 1.5;
}

.geo-block-body .points li i {
    color: var(--teal);
    font-size: 14px;
    margin-top: 3px;
    flex-shrink: 0;
}

.geo-block-body .summary {
    background: var(--bg-alt);
    border-radius: var(--radius-lg);
    padding: 12px 16px;
    font-size: 14px;
    font-weight: 500;
    color: var(--navy);
    margin-bottom: 12px;
}

.geo-block-body .geo-cta {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 14px;
    font-weight: 600;
    color: var(--teal);
    transition: gap var(--transition-base);
}

.geo-block-body .geo-cta:hover {
    gap: 10px;
}

/* ---- FAQ Section ---- */
.faq-item {
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    margin-bottom: 8px;
    overflow: hidden;
}

.faq-question {
    padding: 16px 20px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    cursor: pointer;
    background: var(--bg-white);
    transition: background var(--transition-base);
    width: 100%;
    text-align: left;
    font-size: 15px;
    font-weight: 600;
    color: var(--navy);
}

.faq-question:hover {
    background: var(--bg-alt);
}

.faq-question .faq-toggle {
    font-size: 12px;
    color: var(--text-muted);
    transition: transform var(--transition-base);
    flex-shrink: 0;
}

.faq-item.active .faq-question .faq-toggle {
    transform: rotate(180deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height var(--transition-slow);
}

.faq-item.active .faq-answer {
    max-height: 500px;
}

.faq-answer-inner {
    padding: 0 20px 16px;
    font-size: 14px;
    color: var(--text-secondary);
    line-height: 1.7;
}

/* ---- CTA Section ---- */
.cta-section {
    position: relative;
    background: linear-gradient(135deg, var(--amber-dark), var(--amber), var(--amber-light));
    padding: 64px 0;
    overflow: hidden;
    text-align: center;
}

.cta-section .cta-deco {
    position: absolute;
    inset: 0;
    pointer-events: none;
}

.cta-section .cta-deco .circle-1 {
    position: absolute;
    top: 0;
    right: 0;
    width: 256px;
    height: 256px;
    background: rgba(255,255,255,0.1);
    border-radius: 50%;
    transform: translate(33%, -50%);
}

.cta-section .cta-deco .circle-2 {
    position: absolute;
    bottom: 0;
    left: 0;
    width: 192px;
    height: 192px;
    background: rgba(255,255,255,0.1);
    border-radius: 50%;
    transform: translate(-25%, 33%);
}

.cta-section .cta-content {
    position: relative;
}

.cta-section h2 {
    font-size: 28px;
    font-weight: 700;
    color: #fff;
    margin-bottom: 16px;
}

.cta-section > .container > p,
.cta-section .cta-content > p {
    color: rgba(255,255,255,0.9);
    font-size: 18px;
    margin-bottom: 40px;
    max-width: 640px;
    margin-left: auto;
    margin-right: auto;
}

.cta-buttons {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: center;
    gap: 16px;
    margin-bottom: 40px;
}

.cta-appointment {
    background: rgba(255,255,255,0.15);
    backdrop-filter: blur(8px);
    border: 1px solid rgba(255,255,255,0.2);
    border-radius: var(--radius-xl);
    padding: 24px;
    max-width: 448px;
    margin: 0 auto;
}

.cta-appointment .appointment-title {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    color: #fff;
    font-weight: 600;
    margin-bottom: 12px;
}

.cta-appointment p {
    color: rgba(255,255,255,0.8);
    font-size: 14px;
    margin-bottom: 16px;
}

/* ---- Footer ---- */
.footer {
    background: var(--bg-section);
    border-top: 1px solid var(--border);
}

.footer-top {
    padding: 48px 0;
    border-bottom: 1px solid var(--border);
}

.footer-brand {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 16px;
}

.footer-brand i {
    font-size: 32px;
    color: var(--teal);
}

.footer-brand span {
    font-size: 20px;
    font-weight: 700;
    color: var(--navy);
}

.footer-desc {
    font-size: 14px;
    color: var(--text-secondary);
    line-height: 1.6;
    max-width: 640px;
}

.footer-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
    padding: 48px 0;
}

.footer-grid h3 {
    font-size: 13px;
    font-weight: 700;
    color: var(--navy);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: 16px;
}

.footer-links {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.footer-links a {
    font-size: 14px;
    color: var(--text-secondary);
    transition: color var(--transition-base);
}

.footer-links a:hover {
    color: var(--teal);
}

.footer-contact li {
    display: flex;
    align-items: flex-start;
    gap: 8px;
}

.footer-contact li i {
    color: var(--teal);
    font-size: 14px;
    margin-top: 3px;
    flex-shrink: 0;
}

.footer-contact li span {
    font-size: 14px;
    color: var(--text-secondary);
}

.footer-contact li a {
    color: var(--text-secondary);
    transition: color var(--transition-base);
}

.footer-contact li a:hover {
    color: var(--teal);
}

.footer-bottom {
    border-top: 1px solid var(--border);
    padding: 20px 0;
}

.footer-bottom-links {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 24px;
    margin-bottom: 16px;
}

.footer-bottom-links a {
    font-size: 12px;
    color: var(--text-muted);
    transition: color var(--transition-base);
}

.footer-bottom-links a:hover {
    color: var(--teal);
}

.footer-copyright {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    font-size: 12px;
    color: var(--text-muted);
}

.footer-copyright .design-credit a {
    color: var(--text-muted);
    transition: color var(--transition-base);
}

.footer-copyright .design-credit a:hover {
    color: var(--teal);
}

/* ---- Sticky CTA ---- */
.sticky-cta {
    position: fixed;
    bottom: 24px;
    right: 24px;
    z-index: 90;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.sticky-cta a {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    font-size: 20px;
    box-shadow: var(--shadow-lg);
    transition: transform var(--transition-base);
}

.sticky-cta a:hover {
    transform: scale(1.1);
}

.sticky-cta .sticky-phone {
    background: #10b981;
}

.sticky-cta .sticky-quote {
    background: var(--amber);
}

/* ---- Page Hero (Inner Pages) ---- */
.page-hero {
    background: linear-gradient(135deg, var(--navy), var(--navy-light));
    padding: 48px 0;
    text-align: center;
}

.page-hero h1 {
    font-size: 32px;
    font-weight: 700;
    color: #fff;
    margin-bottom: 12px;
}

.page-hero p {
    font-size: 18px;
    color: rgba(255,255,255,0.8);
    max-width: 640px;
    margin: 0 auto;
}

/* Breadcrumb */
.breadcrumb {
    background: var(--bg-alt);
    padding: 12px 0;
    border-bottom: 1px solid var(--border);
}

.breadcrumb-list {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 14px;
    color: var(--text-muted);
}

.breadcrumb-list a {
    color: var(--text-secondary);
    transition: color var(--transition-base);
}

.breadcrumb-list a:hover {
    color: var(--teal);
}

.breadcrumb-list .separator {
    color: var(--text-muted);
}

/* ---- Coverage Detail Page ---- */
.coverage-hero {
    background: linear-gradient(135deg, var(--navy), var(--navy-light));
    padding: 48px 0;
}

.coverage-hero .badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 6px 16px;
    border-radius: var(--radius-full);
    background: rgba(13,148,136,0.2);
    color: var(--teal-light);
    font-size: 13px;
    font-weight: 500;
    margin-bottom: 16px;
}

.coverage-hero h1 {
    font-size: 32px;
    font-weight: 700;
    color: #fff;
    margin-bottom: 8px;
}

.coverage-hero .english-name {
    font-size: 16px;
    color: rgba(255,255,255,0.6);
    margin-bottom: 16px;
}

.coverage-hero p {
    font-size: 16px;
    color: rgba(255,255,255,0.85);
    line-height: 1.7;
    max-width: 800px;
}

/* Coverage Content Sections */
.coverage-section {
    padding: 48px 0;
}

.coverage-two-col {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 32px;
}

.coverage-list-card {
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    padding: 24px;
}

.coverage-list-card h3 {
    font-size: 18px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 16px;
    display: flex;
    align-items: center;
    gap: 8px;
}

.coverage-list-card h3 i {
    font-size: 18px;
}

.coverage-list-card .covers h3 i { color: var(--teal); }
.coverage-list-card .doesnt-cover h3 i { color: #ef4444; }

.coverage-list-card ul {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.coverage-list-card ul li {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    font-size: 14px;
    color: var(--text-secondary);
    line-height: 1.5;
}

.coverage-list-card ul li i {
    margin-top: 3px;
    flex-shrink: 0;
    font-size: 14px;
}

.coverage-list-card .covers ul li i { color: var(--teal); }
.coverage-list-card .doesnt-cover ul li i { color: #ef4444; }

/* Info Cards (who needs, limits, cost) */
.info-cards-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.info-card {
    background: var(--bg-alt);
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    padding: 24px;
}

.info-card h3 {
    font-size: 16px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    gap: 8px;
}

.info-card h3 i {
    color: var(--teal);
}

.info-card p,
.info-card ul li {
    font-size: 14px;
    color: var(--text-secondary);
    line-height: 1.6;
}

.info-card ul {
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.info-card ul li {
    display: flex;
    align-items: flex-start;
    gap: 6px;
}

.info-card ul li i {
    color: var(--teal);
    font-size: 12px;
    margin-top: 4px;
    flex-shrink: 0;
}

/* ---- Contact Page ---- */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 48px;
}

.contact-info h3 {
    font-size: 20px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 12px;
}

.contact-details {
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin-bottom: 32px;
}

.contact-details li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
}

.contact-details li i {
    color: var(--teal);
    font-size: 18px;
    margin-top: 2px;
    flex-shrink: 0;
}

.contact-details li .detail-label {
    font-size: 13px;
    color: var(--text-muted);
}

.contact-details li .detail-value {
    font-size: 15px;
    color: var(--text-primary);
    font-weight: 500;
}

/* Contact Form */
.contact-form-wrapper {
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    padding: 32px;
}

.contact-form-wrapper h3 {
    font-size: 20px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 24px;
}

.form-row {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
}

.form-group {
    margin-bottom: 16px;
}

.form-group label {
    display: block;
    font-size: 14px;
    font-weight: 500;
    color: var(--navy);
    margin-bottom: 6px;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 10px 14px;
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    font-size: 14px;
    font-family: var(--font-sans);
    color: var(--text-primary);
    background: var(--bg-white);
    transition: border-color var(--transition-base), box-shadow var(--transition-base);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--teal);
    box-shadow: 0 0 0 3px rgba(13,148,136,0.1);
}

.form-group textarea {
    min-height: 120px;
    resize: vertical;
}

.form-group input::placeholder,
.form-group textarea::placeholder {
    color: var(--text-muted);
}

/* ---- Utilities ---- */
.text-center { text-align: center; }
.text-left { text-align: left; }
.mb-0 { margin-bottom: 0; }
.mb-2 { margin-bottom: 8px; }
.mb-4 { margin-bottom: 16px; }
.mb-6 { margin-bottom: 24px; }
.mb-8 { margin-bottom: 32px; }
.mt-4 { margin-top: 16px; }
.mt-6 { margin-top: 24px; }
.mt-8 { margin-top: 32px; }
.hidden { display: none; }

/* ---- Responsive ---- */
@media (max-width: 1024px) {
    .nav-menu,
    .nav-cta,
    .nav-dropdown {
        display: none;
    }

    .mobile-menu-btn {
        display: block;
    }

    .industry-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .steps-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .coverage-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .claims-risk-grid {
        grid-template-columns: 1fr;
    }

    .coverage-two-col {
        grid-template-columns: 1fr;
    }

    .info-cards-grid {
        grid-template-columns: 1fr;
    }

    .contact-grid {
        grid-template-columns: 1fr;
    }

    .footer-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .section-header h2 {
        font-size: 24px;
    }

    .hero h1 {
        font-size: 28px;
    }
}

@media (max-width: 768px) {
    .top-bar .work-hours {
        display: none;
    }

    .hero {
        padding: 48px 0 32px;
    }

    .section {
        padding: 48px 0;
    }

    .section-lg {
        padding: 56px 0;
    }

    .requirements-grid {
        grid-template-columns: 1fr;
    }

    .footer-grid {
        grid-template-columns: 1fr 1fr;
        gap: 24px;
    }

    .page-hero h1 {
        font-size: 26px;
    }

    .coverage-hero h1 {
        font-size: 26px;
    }

    .form-row {
        grid-template-columns: 1fr;
    }

    .cta-section h2 {
        font-size: 24px;
    }
}

@media (max-width: 640px) {
    .container {
        padding: 0 16px;
    }

    .industry-grid {
        grid-template-columns: 1fr 1fr;
        gap: 12px;
    }

    .steps-grid {
        grid-template-columns: 1fr;
    }

    .coverage-grid {
        grid-template-columns: 1fr;
    }

    .hero h1 {
        font-size: 24px;
    }

    .hero-buttons {
        flex-direction: column;
        align-items: stretch;
    }

    .hero-buttons .btn {
        justify-content: center;
    }

    .footer-grid {
        grid-template-columns: 1fr;
    }

    .footer-copyright {
        flex-direction: column;
        text-align: center;
    }

    .sticky-cta {
        bottom: 16px;
        right: 16px;
    }

    .sticky-cta a {
        width: 44px;
        height: 44px;
        font-size: 18px;
    }
}

@media (max-width: 480px) {
    .hero-badge {
        font-size: 12px;
    }

    .trust-bar .container {
        gap: 12px;
    }

    .trust-bar-item {
        font-size: 11px;
    }

    .section-header h2 {
        font-size: 22px;
    }
}

/* ============================================================
   Coverages Listing Page
   ============================================================ */

/* Category Badge */
.cvg-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 6px 16px;
    border-radius: var(--radius-full);
    background: rgba(13,148,136,0.1);
    color: var(--teal);
    font-size: 14px;
    font-weight: 600;
    margin-bottom: 16px;
}

.cvg-badge-green {
    background: rgba(16,185,129,0.1);
    color: #059669;
}

.cvg-badge-purple {
    background: rgba(99,102,241,0.1);
    color: #4f46e5;
}

.cvg-badge-orange {
    background: rgba(249,115,22,0.1);
    color: #ea580c;
}

/* Coverages Card Grid */
.cvg-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}

.cvg-grid-2 {
    grid-template-columns: repeat(2, 1fr);
    max-width: 800px;
    margin: 0 auto;
}

/* Coverage Card */
.cvg-card {
    display: flex;
    flex-direction: column;
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: var(--radius-xl);
    padding: 24px;
    transition: all var(--transition-base);
    text-decoration: none;
}

.cvg-card:hover {
    border-color: rgba(13,148,136,0.4);
    box-shadow: var(--shadow-lg);
    transform: translateY(-3px);
}

/* Card Icon */
.cvg-icon {
    width: 48px;
    height: 48px;
    border-radius: var(--radius-lg);
    background: linear-gradient(135deg, var(--teal), var(--teal-dark));
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 16px;
}

.cvg-icon i {
    font-size: 22px;
    color: #fff;
}

/* Card Title */
.cvg-card h3 {
    font-size: 16px;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 4px;
}

/* English Name */
.cvg-en {
    display: block;
    font-size: 12px;
    color: var(--text-muted);
    margin-bottom: 10px;
}

/* Card Description */
.cvg-card p {
    font-size: 14px;
    color: var(--text-secondary);
    line-height: 1.6;
    margin-bottom: 16px;
    flex: 1;
}

/* Card Meta (price + arrow) */
.cvg-meta {
    display: flex;
    align-items: center;
    gap: 8px;
    padding-top: 12px;
    border-top: 1px solid var(--border);
}

.cvg-price {
    font-size: 13px;
    font-weight: 600;
    color: var(--teal);
}

.cvg-price i {
    margin-right: 2px;
}

.cvg-tag {
    font-size: 11px;
    font-weight: 600;
    padding: 2px 8px;
    border-radius: var(--radius-full);
}

.tag-required {
    background: rgba(239,68,68,0.1);
    color: #dc2626;
}

.cvg-arrow {
    margin-left: auto;
    color: var(--text-muted);
    transition: all var(--transition-base);
}

.cvg-card:hover .cvg-arrow {
    color: var(--teal);
    transform: translateX(4px);
}

/* Responsive: Coverages Grid */
@media (max-width: 1024px) {
    .cvg-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 640px) {
    .cvg-grid {
        grid-template-columns: 1fr;
    }

    .cvg-grid-2 {
        grid-template-columns: 1fr;
    }
}