/* ==========================================================================
   Family Cover Insurance — Main Stylesheet
   Palette: Deep ocean navy + fresh teal + warm coral
   ========================================================================== */

:root {
  --fc-primary: #062b45;      /* deep ocean navy */
  --fc-primary-2: #0b4a6f;    /* navy blue */
  --fc-secondary: #12b5a5;    /* fresh teal */
  --fc-secondary-dark: #0a8f82;
  --fc-accent: #ff7a45;       /* warm coral */
  --fc-accent-dark: #ef5f27;
  --fc-gold: #ffc247;
  --fc-light: #f3f8fb;
  --fc-light-2: #e9f4f8;
  --fc-white: #ffffff;
  --fc-muted: #63748a;
  --fc-dark: #041c2c;
  --fc-success: #22b07d;
  --fc-danger: #e2574c;
  --fc-border: #dfe8ef;
  --fc-radius: 18px;
  --fc-radius-sm: 12px;
  --fc-shadow: 0 18px 45px rgba(6, 43, 69, 0.10);
  --fc-shadow-sm: 0 8px 22px rgba(6, 43, 69, 0.08);
  --fc-font: "Segoe UI", "Helvetica Neue", Arial, "Noto Sans", sans-serif;
}

/* ---------- Base ---------- */
html { scroll-behavior: smooth; }

body {
  font-family: var(--fc-font);
  color: #243b49;
  background: var(--fc-white);
  font-size: 1rem;
  line-height: 1.75;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6 { font-weight: 700; color: var(--fc-primary); line-height: 1.25; letter-spacing: -0.2px; }
a { text-decoration: none; transition: all .25s ease; }
img { max-width: 100%; }
p { color: #4a5b6b; }

::selection { background: var(--fc-secondary); color: #fff; }

.section { padding: 84px 0; }
.section-sm { padding: 56px 0; }
.bg-soft { background: var(--fc-light); }
.bg-soft-2 { background: linear-gradient(180deg, #ffffff 0%, var(--fc-light-2) 100%); }
.bg-navy { background: var(--fc-primary); }
.bg-navy p, .bg-navy li { color: rgba(255,255,255,.82); }

.eyebrow {
  display: inline-block;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: 2.4px;
  text-transform: uppercase;
  color: var(--fc-secondary-dark);
  background: rgba(18, 181, 165, .10);
  border: 1px solid rgba(18, 181, 165, .28);
  padding: 6px 16px;
  border-radius: 50px;
  margin-bottom: 16px;
}
.bg-navy .eyebrow { color: #8ff0e4; background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.18); }

.section-title { font-size: clamp(1.7rem, 3.2vw, 2.5rem); margin-bottom: 14px; }
.section-sub { max-width: 720px; color: var(--fc-muted); font-size: 1.04rem; }
.title-line {
  width: 78px; height: 4px; border-radius: 4px; margin: 18px 0 0;
  background: linear-gradient(90deg, var(--fc-accent), var(--fc-gold));
}
.title-line.center { margin-left: auto; margin-right: auto; }

/* ---------- Buttons ---------- */
.btn { font-weight: 600; border-radius: 50px; padding: 12px 28px; letter-spacing: .2px; }
.btn:focus, .btn:active { box-shadow: none !important; }
.btn-accent { background: var(--fc-accent); color: #fff; border: 2px solid var(--fc-accent); }
.btn-accent:hover { background: var(--fc-accent-dark); border-color: var(--fc-accent-dark); color: #fff; transform: translateY(-2px); box-shadow: 0 12px 26px rgba(255,122,69,.35); }
.btn-teal { background: var(--fc-secondary); color: #fff; border: 2px solid var(--fc-secondary); }
.btn-teal:hover { background: var(--fc-secondary-dark); border-color: var(--fc-secondary-dark); color: #fff; transform: translateY(-2px); box-shadow: 0 12px 26px rgba(18,181,165,.35); }
.btn-navy { background: var(--fc-primary); color: #fff; border: 2px solid var(--fc-primary); }
.btn-navy:hover { background: var(--fc-primary-2); border-color: var(--fc-primary-2); color: #fff; transform: translateY(-2px); }
.btn-outline-light-2 { border: 2px solid rgba(255,255,255,.65); color: #fff; background: transparent; }
.btn-outline-light-2:hover { background: #fff; color: var(--fc-primary); border-color: #fff; }
.btn-outline-teal { border: 2px solid var(--fc-secondary); color: var(--fc-secondary-dark); background: transparent; }
.btn-outline-teal:hover { background: var(--fc-secondary); color: #fff; }
.btn-sm { padding: 9px 20px; font-size: .9rem; }
.btn-lg { padding: 15px 34px; font-size: 1.05rem; }

/* ---------- Topbar ---------- */
.fc-topbar {
  background: linear-gradient(90deg, var(--fc-dark), var(--fc-primary-2));
  color: rgba(255,255,255,.85);
  font-size: .85rem;
  padding: 9px 0;
}
.fc-topbar a { color: rgba(255,255,255,.85); }
.fc-topbar a:hover { color: var(--fc-gold); }
.fc-topbar i { color: var(--fc-secondary); margin-right: 7px; }
.topbar-divider { width: 1px; height: 16px; background: rgba(255,255,255,.22); display: inline-block; vertical-align: middle; margin: 0 16px; }
.topbar-social a { display: inline-flex; width: 28px; height: 28px; border-radius: 50%; align-items: center; justify-content: center; background: rgba(255,255,255,.09); margin-left: 7px; }
.topbar-social a:hover { background: var(--fc-secondary); color: #fff; }

/* ---------- Navbar ---------- */
.fc-navbar {
  background: #fff;
  box-shadow: 0 6px 24px rgba(6,43,69,.07);
  padding: 14px 0;
  transition: all .3s ease;
  z-index: 1030;
}
.fc-navbar.is-sticky { padding: 8px 0; box-shadow: 0 10px 30px rgba(6,43,69,.14); }
.navbar-brand { display: flex; align-items: center; gap: 11px; }
.brand-mark {
  width: 46px; height: 46px; border-radius: 14px; flex: 0 0 46px;
  background: linear-gradient(135deg, var(--fc-secondary), var(--fc-primary-2));
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-size: 1.35rem; box-shadow: 0 8px 18px rgba(18,181,165,.35);
}
.brand-text { line-height: 1.1; }
.brand-text b { display: block; font-size: 1.12rem; color: var(--fc-primary); letter-spacing: -.3px; }
.brand-text span { display: block; font-size: .68rem; letter-spacing: 2.1px; text-transform: uppercase; color: var(--fc-secondary-dark); font-weight: 700; }
.fc-navbar .nav-link {
  color: var(--fc-primary) !important; font-weight: 600; font-size: .95rem;
  padding: 9px 15px !important; position: relative;
}
.fc-navbar .nav-link::after {
  content: ""; position: absolute; left: 15px; right: 15px; bottom: 4px; height: 2.5px;
  background: var(--fc-accent); border-radius: 3px; transform: scaleX(0); transform-origin: left; transition: transform .28s ease;
}
.fc-navbar .nav-link:hover::after, .fc-navbar .nav-link.active::after { transform: scaleX(1); }
.fc-navbar .nav-link.active { color: var(--fc-secondary-dark) !important; }
.dropdown-menu { border: 0; border-radius: 14px; box-shadow: var(--fc-shadow); padding: 10px; min-width: 250px; }
.dropdown-item { border-radius: 9px; padding: 9px 14px; font-weight: 500; color: #33475b; font-size: .94rem; }
.dropdown-item:hover, .dropdown-item.active { background: var(--fc-light-2); color: var(--fc-secondary-dark); }
.dropdown-item i { color: var(--fc-secondary); margin-right: 9px; width: 18px; }
.nav-cta { margin-left: 10px; }
.navbar-toggler { border: 0; padding: 6px 10px; }
.navbar-toggler:focus { box-shadow: none; }
.navbar-toggler .bi { font-size: 1.7rem; color: var(--fc-primary); }
@media (max-width: 991.98px) {
  .fc-navbar .navbar-collapse { background: #fff; border-radius: 16px; padding: 12px; margin-top: 14px; box-shadow: var(--fc-shadow); max-height: 72vh; overflow-y: auto; }
  .nav-cta { margin: 12px 0 4px; }
}

/* ---------- Hero ---------- */
.fc-hero {
  position: relative;
  padding: 96px 0 120px;
  background:
    linear-gradient(105deg, rgba(4,28,44,.95) 0%, rgba(6,43,69,.88) 42%, rgba(11,74,111,.60) 100%),
    url("../img/hero.jpg") center/cover no-repeat;
  color: #fff;
  overflow: hidden;
}
.fc-hero::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -1px; height: 90px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 90' preserveAspectRatio='none'%3E%3Cpath fill='%23ffffff' d='M0,50 C240,110 480,0 720,20 C960,40 1200,95 1440,55 L1440,90 L0,90 Z'/%3E%3C/svg%3E") center bottom/cover no-repeat;
}
.fc-hero h1 { color: #fff; font-size: clamp(2.05rem, 4.6vw, 3.5rem); font-weight: 800; }
.fc-hero h1 span { color: var(--fc-gold); }
.fc-hero p.lead { color: rgba(255,255,255,.86); font-size: 1.1rem; max-width: 620px; }
.hero-badge { display: inline-flex; align-items: center; gap: 9px; background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.22); border-radius: 50px; padding: 8px 18px; font-size: .85rem; font-weight: 600; color: #eafcff; margin-bottom: 22px; }
.hero-badge i { color: var(--fc-gold); }
.hero-points { list-style: none; padding: 0; margin: 26px 0 0; }
.hero-points li { display: flex; align-items: center; gap: 11px; color: rgba(255,255,255,.9); margin-bottom: 10px; font-weight: 500; }
.hero-points i { color: var(--fc-secondary); font-size: 1.1rem; }

/* Hero quick quote card */
.quote-card {
  background: #fff; border-radius: 22px; padding: 30px 28px; box-shadow: 0 30px 70px rgba(4,28,44,.38);
  position: relative; z-index: 3; color: #33475b;
}
.quote-card h3 { font-size: 1.28rem; margin-bottom: 4px; }
.quote-card .small-muted { color: var(--fc-muted); font-size: .88rem; margin-bottom: 20px; }
.quote-card .form-label { font-size: .82rem; font-weight: 700; color: var(--fc-primary); text-transform: uppercase; letter-spacing: .7px; margin-bottom: 5px; }
.quote-card .fc-badge-strip { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 18px; }
.quote-card .fc-badge-strip span { font-size: .78rem; background: var(--fc-light); color: var(--fc-primary); border-radius: 30px; padding: 5px 12px; font-weight: 600; }
.quote-card .fc-badge-strip i { color: var(--fc-secondary); margin-right: 5px; }

/* ---------- Forms ---------- */
.form-control, .form-select {
  border: 1.5px solid var(--fc-border); border-radius: 12px; padding: 12px 15px;
  font-size: .96rem; color: #24384a; background: #fff; transition: all .2s ease;
}
.form-control:focus, .form-select:focus {
  border-color: var(--fc-secondary); box-shadow: 0 0 0 4px rgba(18,181,165,.13);
}
.form-control::placeholder { color: #a4b2c0; }
.form-label { font-weight: 600; font-size: .9rem; color: #2c4257; margin-bottom: 6px; }
.form-label .req { color: var(--fc-danger); }
.input-group-text { background: var(--fc-light); border: 1.5px solid var(--fc-border); border-radius: 12px 0 0 12px; color: var(--fc-secondary-dark); }
.input-group .form-control { border-radius: 0 12px 12px 0; }
.form-check-input:checked { background-color: var(--fc-secondary); border-color: var(--fc-secondary); }
.form-check-input:focus { border-color: var(--fc-secondary); box-shadow: 0 0 0 4px rgba(18,181,165,.13); }
.form-check-label { font-size: .93rem; color: #45596d; }
.is-invalid { border-color: var(--fc-danger) !important; }
.invalid-feedback { font-size: .82rem; font-weight: 500; }
textarea.form-control { min-height: 140px; resize: vertical; }

.form-panel { background: #fff; border-radius: 22px; padding: 34px; box-shadow: var(--fc-shadow); border: 1px solid var(--fc-border); }
.form-note { font-size: .84rem; color: var(--fc-muted); margin-top: 14px; }
.form-note i { color: var(--fc-secondary); }

.form-alert { border-radius: 14px; padding: 16px 18px; font-weight: 600; font-size: .95rem; display: none; align-items: flex-start; gap: 12px; }
.form-alert.show { display: flex; animation: popIn .35s ease; }
.form-alert.ok { background: #e7f8f0; color: #136b4a; border: 1px solid #b9e9d4; }
.form-alert.err { background: #fdecea; color: #a32c22; border: 1px solid #f6c9c4; }
.form-alert i { font-size: 1.25rem; line-height: 1.3; }
@keyframes popIn { from { opacity: 0; transform: translateY(-8px); } to { opacity: 1; transform: none; } }

.btn .spinner-border { width: 1rem; height: 1rem; border-width: .18em; }

/* ---------- Trust strip ---------- */
.trust-strip { margin-top: -62px; position: relative; z-index: 5; }
.trust-item { background: #fff; border-radius: var(--fc-radius); padding: 24px 18px; text-align: center; box-shadow: var(--fc-shadow-sm); border: 1px solid var(--fc-border); height: 100%; transition: transform .3s ease, box-shadow .3s ease; }
.trust-item:hover { transform: translateY(-6px); box-shadow: var(--fc-shadow); }
.trust-item i { font-size: 2rem; color: var(--fc-secondary); display: inline-block; margin-bottom: 12px; }
.trust-item h4 { font-size: 1.05rem; margin-bottom: 5px; }
.trust-item p { font-size: .87rem; color: var(--fc-muted); margin: 0; }

/* ---------- Service cards ---------- */
.service-card {
  background: #fff; border-radius: var(--fc-radius); overflow: hidden; height: 100%;
  box-shadow: var(--fc-shadow-sm); border: 1px solid var(--fc-border);
  transition: transform .35s ease, box-shadow .35s ease; display: flex; flex-direction: column;
}
.service-card:hover { transform: translateY(-9px); box-shadow: 0 26px 55px rgba(6,43,69,.16); }
.service-media { position: relative; height: 208px; overflow: hidden; }
.service-media img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s ease; }
.service-card:hover .service-media img { transform: scale(1.09); }
.service-media::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(4,28,44,0) 45%, rgba(4,28,44,.62) 100%); }
.service-tag {
  position: absolute; top: 14px; left: 14px; z-index: 2; background: var(--fc-accent); color: #fff;
  font-size: .72rem; font-weight: 700; letter-spacing: 1.1px; text-transform: uppercase; padding: 6px 13px; border-radius: 30px;
}
.service-icon-float {
  position: absolute; right: 16px; bottom: -26px; z-index: 3; width: 54px; height: 54px; border-radius: 16px;
  background: linear-gradient(135deg, var(--fc-secondary), var(--fc-primary-2)); color: #fff;
  display: flex; align-items: center; justify-content: center; font-size: 1.5rem; box-shadow: 0 12px 24px rgba(11,74,111,.32); border: 3px solid #fff;
}
.service-body { padding: 38px 24px 26px; display: flex; flex-direction: column; flex: 1; }
.service-body h3 { font-size: 1.22rem; margin-bottom: 10px; }
.service-body p { font-size: .94rem; color: var(--fc-muted); flex: 1; }
.service-meta { list-style: none; padding: 0; margin: 0 0 20px; }
.service-meta li { font-size: .88rem; color: #45596d; padding: 5px 0; display: flex; gap: 9px; align-items: flex-start; }
.service-meta i { color: var(--fc-secondary); font-size: .95rem; margin-top: 3px; }
.service-link { font-weight: 700; color: var(--fc-secondary-dark); font-size: .92rem; }
.service-link:hover { color: var(--fc-accent); letter-spacing: .3px; }

/* ---------- Feature / why-choose ---------- */
.feature-item { display: flex; gap: 16px; margin-bottom: 26px; }
.feature-ico {
  flex: 0 0 56px; width: 56px; height: 56px; border-radius: 16px; display: flex; align-items: center; justify-content: center;
  background: var(--fc-light-2); color: var(--fc-secondary-dark); font-size: 1.45rem; transition: all .3s ease;
}
.feature-item:hover .feature-ico { background: linear-gradient(135deg, var(--fc-secondary), var(--fc-primary-2)); color: #fff; transform: rotate(-6deg) scale(1.05); }
.feature-item h4 { font-size: 1.08rem; margin-bottom: 5px; }
.feature-item p { font-size: .93rem; color: var(--fc-muted); margin: 0; }

.stat-box { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14); border-radius: var(--fc-radius); padding: 26px 20px; text-align: center; height: 100%; }
.stat-box h3 { color: var(--fc-gold); font-size: 2.15rem; margin-bottom: 3px; font-weight: 800; }
.stat-box p { color: rgba(255,255,255,.78); font-size: .9rem; margin: 0; }

.info-image { border-radius: 24px; overflow: hidden; box-shadow: var(--fc-shadow); position: relative; }
.info-image img { width: 100%; display: block; }
.floating-chip {
  position: absolute; background: #fff; border-radius: 16px; padding: 14px 18px; box-shadow: 0 18px 40px rgba(4,28,44,.22);
  display: flex; align-items: center; gap: 12px; font-weight: 700; color: var(--fc-primary); font-size: .9rem;
}
.floating-chip i { font-size: 1.5rem; color: var(--fc-secondary); }
.chip-1 { left: -18px; top: 26px; }
.chip-2 { right: -14px; bottom: 30px; }
@media (max-width: 575.98px) { .chip-1, .chip-2 { display: none; } }

/* ---------- Process steps ---------- */
.step-card { background: #fff; border-radius: var(--fc-radius); padding: 30px 24px; height: 100%; border: 1px solid var(--fc-border); box-shadow: var(--fc-shadow-sm); position: relative; transition: all .3s ease; }
.step-card:hover { transform: translateY(-7px); border-color: rgba(18,181,165,.45); box-shadow: var(--fc-shadow); }
.step-num {
  width: 52px; height: 52px; border-radius: 50%; display: flex; align-items: center; justify-content: center;
  background: linear-gradient(135deg, var(--fc-accent), var(--fc-gold)); color: #fff; font-weight: 800; font-size: 1.15rem; margin-bottom: 16px;
  box-shadow: 0 10px 22px rgba(255,122,69,.32);
}
.step-card h4 { font-size: 1.08rem; margin-bottom: 8px; }
.step-card p { font-size: .92rem; color: var(--fc-muted); margin: 0; }

/* ---------- Testimonials ---------- */
.testi-card {
  background: #fff; border-radius: var(--fc-radius); padding: 30px 28px; height: 100%;
  box-shadow: var(--fc-shadow-sm); border: 1px solid var(--fc-border); position: relative; transition: all .3s ease;
}
.testi-card:hover { transform: translateY(-7px); box-shadow: var(--fc-shadow); }
.testi-quote { position: absolute; top: 18px; right: 22px; font-size: 3rem; color: var(--fc-light-2); line-height: 1; }
.testi-stars { color: var(--fc-gold); margin-bottom: 14px; font-size: .95rem; letter-spacing: 2px; }
.testi-card p { font-size: .97rem; color: #45596d; font-style: italic; }
.testi-person { display: flex; align-items: center; gap: 13px; margin-top: 20px; padding-top: 18px; border-top: 1px dashed var(--fc-border); }
.avatar {
  width: 48px; height: 48px; border-radius: 50%; display: flex; align-items: center; justify-content: center;
  color: #fff; font-weight: 700; font-size: 1rem; flex: 0 0 48px; letter-spacing: .5px;
}
.av-1 { background: linear-gradient(135deg, #12b5a5, #0b4a6f); }
.av-2 { background: linear-gradient(135deg, #ff7a45, #ffc247); }
.av-3 { background: linear-gradient(135deg, #0b4a6f, #062b45); }
.av-4 { background: linear-gradient(135deg, #7a5cff, #12b5a5); }
.av-5 { background: linear-gradient(135deg, #ef5f27, #12b5a5); }
.av-6 { background: linear-gradient(135deg, #0a8f82, #ffc247); }
.testi-person b { display: block; color: var(--fc-primary); font-size: 1rem; }
.testi-person span { display: block; font-size: .82rem; color: var(--fc-muted); }

/* ---------- Blog ---------- */
.blog-card { background: #fff; border-radius: var(--fc-radius); overflow: hidden; height: 100%; border: 1px solid var(--fc-border); box-shadow: var(--fc-shadow-sm); transition: all .35s ease; display: flex; flex-direction: column; }
.blog-card:hover { transform: translateY(-8px); box-shadow: var(--fc-shadow); }
.blog-media { height: 210px; overflow: hidden; position: relative; }
.blog-media img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s ease; }
.blog-card:hover .blog-media img { transform: scale(1.08); }
.blog-cat { position: absolute; top: 14px; left: 14px; background: var(--fc-secondary); color: #fff; font-size: .72rem; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; padding: 6px 13px; border-radius: 30px; }
.blog-body { padding: 24px; display: flex; flex-direction: column; flex: 1; }
.blog-meta { display: flex; gap: 16px; flex-wrap: wrap; font-size: .82rem; color: var(--fc-muted); margin-bottom: 11px; }
.blog-meta i { color: var(--fc-accent); margin-right: 5px; }
.blog-body h3, .blog-body h4 { font-size: 1.15rem; line-height: 1.45; margin-bottom: 10px; }
.blog-body h3 a, .blog-body h4 a { color: var(--fc-primary); }
.blog-body h3 a:hover, .blog-body h4 a:hover { color: var(--fc-secondary-dark); }
.blog-body p { font-size: .93rem; color: var(--fc-muted); flex: 1; }

/* Article page */
.article-hero { position: relative; padding: 74px 0; background: linear-gradient(105deg, rgba(4,28,44,.94), rgba(11,74,111,.82)), url("../img/hero.jpg") center/cover; color: #fff; }
.article-hero h1 { color: #fff; font-size: clamp(1.7rem, 3.6vw, 2.6rem); max-width: 880px; }
.breadcrumb { margin: 0; font-size: .88rem; }
.breadcrumb-item a { color: #9fe8de; }
.breadcrumb-item.active { color: rgba(255,255,255,.7); }
.breadcrumb-item + .breadcrumb-item::before { color: rgba(255,255,255,.5); }
.article-cover { border-radius: 24px; overflow: hidden; box-shadow: var(--fc-shadow); margin-bottom: 34px; }
.article-cover img { width: 100%; display: block; }
.article-body { font-size: 1.04rem; color: #3f5364; }
.article-body p { margin-bottom: 22px; }
.article-body h2 { font-size: 1.5rem; margin: 38px 0 14px; }
.article-body h3 { font-size: 1.22rem; margin: 30px 0 12px; }
.article-body ul, .article-body ol { margin: 0 0 24px; padding-left: 22px; }
.article-body li { margin-bottom: 9px; }
.pull-quote { border-left: 5px solid var(--fc-accent); background: var(--fc-light); padding: 22px 26px; border-radius: 0 16px 16px 0; font-size: 1.1rem; font-weight: 600; color: var(--fc-primary); margin: 30px 0; }
.key-box { background: linear-gradient(135deg, rgba(18,181,165,.09), rgba(11,74,111,.06)); border: 1px solid rgba(18,181,165,.28); border-radius: 18px; padding: 24px 26px; margin: 30px 0; }
.key-box h4 { font-size: 1.05rem; margin-bottom: 12px; display: flex; align-items: center; gap: 9px; }
.key-box h4 i { color: var(--fc-secondary-dark); }
.key-box ul { margin: 0; }

.side-widget { background: #fff; border: 1px solid var(--fc-border); border-radius: var(--fc-radius); padding: 24px; box-shadow: var(--fc-shadow-sm); margin-bottom: 24px; }
.side-widget h5 { font-size: 1.02rem; margin-bottom: 16px; padding-bottom: 12px; border-bottom: 2px solid var(--fc-light-2); }
.side-list { list-style: none; padding: 0; margin: 0; }
.side-list li { margin-bottom: 4px; }
.side-list a { display: flex; align-items: center; gap: 10px; padding: 9px 12px; border-radius: 11px; color: #45596d; font-weight: 500; font-size: .93rem; }
.side-list a i { color: var(--fc-secondary); }
.side-list a:hover { background: var(--fc-light-2); color: var(--fc-secondary-dark); }
.mini-post { display: flex; gap: 13px; padding: 11px 0; border-bottom: 1px dashed var(--fc-border); }
.mini-post:last-child { border-bottom: 0; }
.mini-post img { width: 72px; height: 62px; border-radius: 11px; object-fit: cover; flex: 0 0 72px; }
.mini-post a { font-size: .9rem; font-weight: 600; color: var(--fc-primary); line-height: 1.4; display: block; }
.mini-post a:hover { color: var(--fc-secondary-dark); }
.mini-post span { font-size: .78rem; color: var(--fc-muted); }

/* ---------- CTA banner ---------- */
.cta-banner { position: relative; border-radius: 26px; overflow: hidden; background: linear-gradient(115deg, var(--fc-primary) 0%, var(--fc-primary-2) 55%, var(--fc-secondary-dark) 100%); color: #fff; padding: 54px 44px; }
.cta-banner::before { content: ""; position: absolute; right: -70px; top: -70px; width: 260px; height: 260px; border-radius: 50%; background: rgba(255,194,71,.15); }
.cta-banner::after { content: ""; position: absolute; right: 90px; bottom: -110px; width: 230px; height: 230px; border-radius: 50%; background: rgba(18,181,165,.20); }
.cta-banner h2 { color: #fff; font-size: clamp(1.5rem, 3vw, 2.1rem); position: relative; z-index: 2; }
.cta-banner p { color: rgba(255,255,255,.85); position: relative; z-index: 2; }
.cta-banner .btn { position: relative; z-index: 2; }
.cta-phone { display: inline-flex; align-items: center; gap: 12px; font-size: 1.35rem; font-weight: 800; color: var(--fc-gold); }
.cta-phone i { font-size: 1.5rem; }

/* ---------- Page header (inner pages) ---------- */
.page-header {
  position: relative; padding: 76px 0 86px; color: #fff; text-align: center;
  background: linear-gradient(110deg, rgba(4,28,44,.95), rgba(11,74,111,.86)), url("../img/hero.jpg") center/cover no-repeat;
  overflow: hidden;
}
.page-header::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -1px; height: 60px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 60' preserveAspectRatio='none'%3E%3Cpath fill='%23ffffff' d='M0,30 C360,70 720,0 1080,25 C1260,37 1360,45 1440,35 L1440,60 L0,60 Z'/%3E%3C/svg%3E") center bottom/cover no-repeat;
}
.page-header.bg-soft-after::after { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 60' preserveAspectRatio='none'%3E%3Cpath fill='%23f3f8fb' d='M0,30 C360,70 720,0 1080,25 C1260,37 1360,45 1440,35 L1440,60 L0,60 Z'/%3E%3C/svg%3E"); }
.page-header h1 { color: #fff; font-size: clamp(1.9rem, 4vw, 2.9rem); margin-bottom: 8px; }
.page-header p { color: rgba(255,255,255,.82); max-width: 720px; margin: 0 auto; }
.page-header .breadcrumb { justify-content: center; margin-top: 16px; }
.header-shape { position: absolute; border-radius: 50%; background: rgba(18,181,165,.16); }
.shape-1 { width: 220px; height: 220px; top: -80px; left: -60px; }
.shape-2 { width: 150px; height: 150px; bottom: -50px; right: 8%; background: rgba(255,194,71,.14); }

/* ---------- FAQ ---------- */
.accordion-item { border: 1px solid var(--fc-border); border-radius: 16px !important; margin-bottom: 14px; overflow: hidden; }
.accordion-button { font-weight: 600; color: var(--fc-primary); font-size: 1rem; padding: 18px 22px; background: #fff; }
.accordion-button:not(.collapsed) { background: var(--fc-light-2); color: var(--fc-secondary-dark); box-shadow: none; }
.accordion-button:focus { box-shadow: none; border-color: var(--fc-border); }
.accordion-body { color: var(--fc-muted); font-size: .96rem; padding: 4px 22px 20px; }

/* ---------- Pricing / plan table ---------- */
.plan-card { background: #fff; border-radius: var(--fc-radius); padding: 30px 26px; border: 1px solid var(--fc-border); box-shadow: var(--fc-shadow-sm); height: 100%; transition: all .3s ease; position: relative; }
.plan-card:hover { transform: translateY(-8px); box-shadow: var(--fc-shadow); border-color: rgba(18,181,165,.4); }
.plan-card.featured { border: 2px solid var(--fc-secondary); }
.plan-flag { position: absolute; top: -13px; left: 50%; transform: translateX(-50%); background: var(--fc-accent); color: #fff; font-size: .72rem; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; padding: 5px 16px; border-radius: 30px; }
.plan-card h4 { font-size: 1.15rem; }
.plan-price { font-size: 2rem; font-weight: 800; color: var(--fc-primary); }
.plan-price small { font-size: .85rem; color: var(--fc-muted); font-weight: 500; }
.plan-list { list-style: none; padding: 0; margin: 18px 0 22px; }
.plan-list li { font-size: .92rem; color: #45596d; padding: 7px 0; display: flex; gap: 10px; }
.plan-list i { color: var(--fc-secondary); margin-top: 3px; }
.plan-list li.off { color: #a9b6c2; }
.plan-list li.off i { color: #cfd8e0; }

/* ---------- Timeline ---------- */
.timeline { position: relative; padding-left: 34px; }
.timeline::before { content: ""; position: absolute; left: 10px; top: 6px; bottom: 6px; width: 3px; background: linear-gradient(180deg, var(--fc-secondary), var(--fc-accent)); border-radius: 3px; }
.timeline-item { position: relative; margin-bottom: 30px; }
.timeline-item::before { content: ""; position: absolute; left: -31px; top: 6px; width: 17px; height: 17px; border-radius: 50%; background: #fff; border: 4px solid var(--fc-secondary); }
.timeline-item h4 { font-size: 1.06rem; margin-bottom: 4px; }
.timeline-item .year { font-size: .78rem; font-weight: 800; letter-spacing: 1.4px; color: var(--fc-accent); text-transform: uppercase; }
.timeline-item p { font-size: .93rem; color: var(--fc-muted); margin: 0; }

/* ---------- Team ---------- */
.team-card { background: #fff; border-radius: var(--fc-radius); overflow: hidden; border: 1px solid var(--fc-border); box-shadow: var(--fc-shadow-sm); height: 100%; text-align: center; transition: all .3s ease; }
.team-card:hover { transform: translateY(-8px); box-shadow: var(--fc-shadow); }
.team-avatar { height: 118px; display: flex; align-items: center; justify-content: center; background: linear-gradient(135deg, var(--fc-light-2), #fff); }
.team-avatar span { width: 82px; height: 82px; border-radius: 50%; display: flex; align-items: center; justify-content: center; color: #fff; font-weight: 800; font-size: 1.7rem; box-shadow: 0 12px 26px rgba(6,43,69,.2); }
.team-body { padding: 20px 22px 26px; }
.team-body h4 { font-size: 1.08rem; margin-bottom: 3px; }
.team-body .role { font-size: .84rem; color: var(--fc-secondary-dark); font-weight: 700; text-transform: uppercase; letter-spacing: 1px; }
.team-body p { font-size: .9rem; color: var(--fc-muted); margin: 12px 0 0; }

/* ---------- Contact ---------- */
.contact-card { background: #fff; border-radius: var(--fc-radius); padding: 28px 24px; border: 1px solid var(--fc-border); box-shadow: var(--fc-shadow-sm); height: 100%; text-align: center; transition: all .3s ease; }
.contact-card:hover { transform: translateY(-7px); box-shadow: var(--fc-shadow); }
.contact-card .c-ico { width: 62px; height: 62px; border-radius: 18px; margin: 0 auto 16px; display: flex; align-items: center; justify-content: center; font-size: 1.6rem; color: #fff; background: linear-gradient(135deg, var(--fc-secondary), var(--fc-primary-2)); box-shadow: 0 12px 24px rgba(18,181,165,.28); }
.contact-card h4 { font-size: 1.05rem; margin-bottom: 8px; }
.contact-card p, .contact-card a { font-size: .94rem; color: var(--fc-muted); margin: 0; word-break: break-word; }
.contact-card a:hover { color: var(--fc-secondary-dark); }
.map-frame { border-radius: var(--fc-radius); overflow: hidden; box-shadow: var(--fc-shadow-sm); border: 1px solid var(--fc-border); height: 380px; background: var(--fc-light-2); }
.map-frame iframe { width: 100%; height: 100%; border: 0; display: block; }
.hours-list { list-style: none; padding: 0; margin: 0; }
.hours-list li { display: flex; justify-content: space-between; gap: 12px; padding: 9px 0; border-bottom: 1px dashed var(--fc-border); font-size: .93rem; color: #45596d; }
.hours-list li:last-child { border-bottom: 0; }
.hours-list b { color: var(--fc-primary); font-weight: 600; }

/* ---------- Newsletter ---------- */
.newsletter-box { background: linear-gradient(120deg, var(--fc-primary), var(--fc-primary-2)); border-radius: 22px; padding: 34px; color: #fff; position: relative; overflow: hidden; }
.newsletter-box h4 { color: #fff; }
.newsletter-box p { color: rgba(255,255,255,.8); font-size: .92rem; }
.newsletter-box .form-control { border-radius: 50px; }
.nl-perks { list-style: none; padding: 0; margin: 18px 0 0; }
.nl-perks li { font-size: .9rem; color: rgba(255,255,255,.85); display: flex; gap: 10px; margin-bottom: 8px; }
.nl-perks i { color: var(--fc-gold); margin-top: 3px; }
.counter-pill { display: inline-flex; align-items: center; gap: 8px; background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.2); color: #eafcff; border-radius: 40px; padding: 7px 16px; font-size: .85rem; font-weight: 600; }

/* ---------- Legal pages ---------- */
.legal-content h2 { font-size: 1.35rem; margin: 36px 0 12px; }
.legal-content h3 { font-size: 1.1rem; margin: 26px 0 10px; }
.legal-content p, .legal-content li { color: #4a5b6b; font-size: .99rem; }
.legal-content ul, .legal-content ol { padding-left: 22px; margin-bottom: 20px; }
.legal-content li { margin-bottom: 9px; }
.updated-pill { display: inline-flex; gap: 9px; align-items: center; background: var(--fc-light-2); color: var(--fc-secondary-dark); font-weight: 700; font-size: .85rem; border-radius: 40px; padding: 8px 18px; }
.toc-box { background: var(--fc-light); border: 1px solid var(--fc-border); border-radius: var(--fc-radius); padding: 24px; }
.toc-box h5 { margin-bottom: 14px; font-size: 1rem; }
.toc-box a { display: block; font-size: .9rem; color: #45596d; padding: 6px 0; border-bottom: 1px dashed var(--fc-border); }
.toc-box a:last-child { border-bottom: 0; }
.toc-box a:hover { color: var(--fc-secondary-dark); padding-left: 5px; }

/* ---------- Footer ---------- */
.fc-footer { background: linear-gradient(180deg, var(--fc-dark) 0%, #062033 100%); color: rgba(255,255,255,.72); padding: 74px 0 0; position: relative; }
.fc-footer h5 { color: #fff; font-size: 1.04rem; margin-bottom: 20px; position: relative; padding-bottom: 12px; }
.fc-footer h5::after { content: ""; position: absolute; left: 0; bottom: 0; width: 40px; height: 3px; border-radius: 3px; background: var(--fc-accent); }
.fc-footer p { color: rgba(255,255,255,.66); font-size: .93rem; }
.fc-footer a { color: rgba(255,255,255,.72); }
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: 11px; }
.footer-links a { font-size: .93rem; display: inline-flex; align-items: center; gap: 9px; }
.footer-links a::before { content: "\F285"; font-family: "bootstrap-icons"; color: var(--fc-secondary); font-size: .8rem; }
.footer-links a:hover { color: var(--fc-gold); padding-left: 5px; }
.footer-contact { list-style: none; padding: 0; margin: 0; }
.footer-contact li { display: flex; gap: 13px; margin-bottom: 16px; font-size: .93rem; }
.footer-contact i { color: var(--fc-secondary); font-size: 1.05rem; margin-top: 4px; flex: 0 0 18px; }
.footer-contact a:hover { color: var(--fc-gold); }
.footer-social a { display: inline-flex; width: 40px; height: 40px; border-radius: 12px; align-items: center; justify-content: center; background: rgba(255,255,255,.08); color: #fff; margin-right: 9px; font-size: 1.02rem; }
.footer-social a:hover { background: var(--fc-secondary); transform: translateY(-4px); }
.footer-newsletter .form-control { background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.18); color: #fff; border-radius: 12px; }
.footer-newsletter .form-control::placeholder { color: rgba(255,255,255,.5); }
.footer-newsletter .form-control:focus { border-color: var(--fc-secondary); background: rgba(255,255,255,.12); box-shadow: none; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.11); margin-top: 52px; padding: 22px 0; font-size: .88rem; }
.footer-bottom a { color: rgba(255,255,255,.8); }
.footer-bottom a:hover { color: var(--fc-gold); }
.footer-disclaimer { font-size: .8rem; color: rgba(255,255,255,.45); margin-top: 10px; line-height: 1.6; }

/* ---------- Back to top ---------- */
#backToTop {
  position: fixed; right: 22px; bottom: 24px; width: 48px; height: 48px; border-radius: 14px; border: 0;
  background: linear-gradient(135deg, var(--fc-accent), var(--fc-gold)); color: #fff; font-size: 1.15rem;
  box-shadow: 0 14px 30px rgba(255,122,69,.4); opacity: 0; visibility: hidden; transform: translateY(14px);
  transition: all .3s ease; z-index: 1040;
}
#backToTop.show { opacity: 1; visibility: visible; transform: none; }
#backToTop:hover { transform: translateY(-4px); }

/* ---------- Floating call button (mobile) ---------- */
#callFab { position: fixed; left: 22px; bottom: 24px; z-index: 1040; display: none; }
#callFab a { display: inline-flex; align-items: center; gap: 9px; background: var(--fc-secondary); color: #fff; font-weight: 700; border-radius: 50px; padding: 12px 20px; box-shadow: 0 14px 30px rgba(18,181,165,.4); font-size: .92rem; }
@media (max-width: 767.98px) { #callFab { display: block; } }

/* ---------- Reveal on scroll ---------- */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .7s ease, transform .7s ease; }
.reveal.in-view { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; transition: none; } }

/* ---------- Misc helpers ---------- */
.divider-dots { display: flex; gap: 7px; justify-content: center; margin: 12px 0 0; }
.divider-dots i { width: 8px; height: 8px; border-radius: 50%; background: var(--fc-secondary); opacity: .55; }
.divider-dots i:nth-child(2) { background: var(--fc-accent); opacity: .8; }
.divider-dots i:nth-child(3) { background: var(--fc-gold); }
.badge-soft { background: var(--fc-light-2); color: var(--fc-secondary-dark); font-weight: 700; border-radius: 30px; padding: 6px 14px; font-size: .78rem; letter-spacing: .6px; text-transform: uppercase; }
.list-check { list-style: none; padding: 0; margin: 0 0 20px; }
.list-check li { display: flex; gap: 11px; margin-bottom: 11px; color: #45596d; font-size: .96rem; }
.list-check i { color: var(--fc-secondary); font-size: 1.05rem; margin-top: 3px; }
.icon-badge-lg { width: 78px; height: 78px; border-radius: 22px; display: flex; align-items: center; justify-content: center; font-size: 2.1rem; color: #fff; background: linear-gradient(135deg, var(--fc-secondary), var(--fc-primary-2)); box-shadow: 0 16px 34px rgba(18,181,165,.3); }
.text-teal { color: var(--fc-secondary-dark) !important; }
.text-accent { color: var(--fc-accent) !important; }
.text-muted-2 { color: var(--fc-muted) !important; }
.hr-soft { border: 0; border-top: 1px solid var(--fc-border); margin: 34px 0; }

/* Sticky two column spacing on large screens */
@media (min-width: 992px) { .sticky-col { position: sticky; top: 104px; } }

/* Print */
@media print { .fc-topbar, .fc-navbar, .fc-footer, #backToTop, #callFab { display: none !important; } .section { padding: 20px 0; } }