/* 
 * FUTURE GUARD CAPITAL - Premium CSS Design System
 * Complete Site, Footer, Services & Explicit Accordion System
 */

:root {
  --navy-dark: #04261B;
  --navy-primary: #072D20;
  --green-primary: #0D4B36;
  --green-accent: #125D44;
  --gold-primary: #D4AF37;
  --gold-bright: #FACC15;
  --gold-dark: #CA8A04;
  --red-accent: #DC2626;
  --bg-light: #F8FAFC;
  --bg-card: #FFFFFF;
  --text-dark: #0F172A;
  --text-body: #334155;
  --text-muted: #64748B;
  --border-light: #E2E8F0;
  --font-heading: 'Poppins', 'Manrope', sans-serif;
  --font-body: 'Inter', sans-serif;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  background-color: var(--bg-light);
  color: var(--text-body);
  line-height: 1.6;
  overflow-x: hidden;
  padding-bottom: 70px;
}

@media (min-width: 992px) {
  body { padding-bottom: 0; }
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--text-dark);
  font-weight: 700;
}

a { text-decoration: none; color: inherit; transition: all 0.25s ease; }

.container { width: 100%; max-width: 1240px; margin: 0 auto; padding: 0 20px; }

/* TOP ANNOUNCEMENT BAR */
.top-bar {
  background: #04261B;
  color: #E2E8F0;
  font-size: 12px;
  padding: 7px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.top-bar-container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
}
.top-bar-left { display: flex; align-items: center; gap: 8px; }
.top-bar-right { display: flex; align-items: center; gap: 20px; }
.top-icon-gold { color: #FACC15; font-size: 14px; }
.top-link-white { color: #FFFFFF; font-weight: 600; }
.top-link-green { color: #4ADE80; font-weight: 600; display: inline-flex; align-items: center; gap: 4px; }
.top-social-wrap { display: inline-flex; align-items: center; gap: 6px; }
.top-fb-btn { color: #1877F2; background: #FFFFFF; border-radius: 50%; width: 22px; height: 22px; display: inline-flex; align-items: center; justify-content: center; font-size: 12px; }

/* SITE HEADER & NAVBAR */
.site-header {
  background: #FFFFFF;
  border-bottom: 1px solid #E2E8F0;
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 10px rgba(0,0,0,0.06);
}
.header-container {
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 20px;
  height: 80px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.brand-logo img { height: 62px; width: auto; object-fit: contain; display: block; }
.main-nav { display: flex; align-items: center; }
.nav-links { display: flex; align-items: center; gap: 24px; list-style: none; margin: 0; padding: 0; }
.nav-links a { color: #1E293B; font-family: var(--font-heading); font-weight: 700; font-size: 13px; letter-spacing: 0.4px; text-decoration: none; padding: 8px 0; position: relative; white-space: nowrap; transition: color 0.2s ease; }
.nav-links a:hover { color: var(--green-primary); }
.nav-links a.active { color: var(--green-primary); }
.nav-links a.active::after { content: ''; position: absolute; bottom: -2px; left: 0; width: 100%; height: 3px; background: #FACC15; border-radius: 2px; }
.nav-arrow { font-size: 10px; margin-left: 2px; }

.header-cta-desktop { display: block; margin-left: 15px; }
.btn-header-consultation { background: #04261B; border: 1.5px solid #D4AF37; color: #FFFFFF; font-family: var(--font-heading); font-weight: 700; font-size: 12px; padding: 11px 20px; border-radius: 6px; display: inline-flex; align-items: center; gap: 8px; text-decoration: none; white-space: nowrap; transition: all 0.25s ease; box-shadow: 0 2px 8px rgba(4, 38, 27, 0.2); }
.btn-header-consultation i { color: #FACC15; font-size: 14px; }
.btn-header-consultation:hover { background: #0A3B2A; border-color: #FACC15; transform: translateY(-1px); }
.mobile-toggle { display: none; }

@media (max-width: 991px) {
  .header-cta-desktop { display: none; }
  .mobile-toggle { display: block; background: transparent; border: none; font-size: 28px; color: #04261B; cursor: pointer; padding: 4px; }
  .main-nav { position: fixed; top: 0; right: -100%; width: 280px; height: 100vh; background: #04261B; flex-direction: column; align-items: flex-start; padding: 80px 24px 30px; transition: right 0.3s ease; box-shadow: -5px 0 25px rgba(0,0,0,0.5); z-index: 999; }
  .main-nav.active { right: 0; }
  .nav-links { flex-direction: column; align-items: flex-start; width: 100%; gap: 16px; }
  .nav-links a { color: #FFFFFF; font-size: 15px; border-bottom: 1px solid rgba(255,255,255,0.08); width: 100%; display: block; padding-bottom: 10px; }
  .nav-links a.active { color: #FACC15; }
  .nav-links a.active::after { display: none; }
}

/* ==========================================================================
   PAGE HERO BANNER (DARK FOREST GREEN FOR ALL INNER PAGES)
   ========================================================================== */
.page-hero-banner {
  background: #04261B url('../images/hero-bg.jpg') no-repeat center center !important;
  background-size: cover !important;
  padding: 60px 0 50px !important;
  color: #FFFFFF !important;
  text-align: center !important;
  position: relative !important;
  border-bottom: 3px solid #D4AF37 !important;
  margin-bottom: 40px !important;
}
.page-hero-banner .gold-subtitle-line {
  justify-content: center !important;
  margin-bottom: 10px !important;
}
.page-hero-banner h1 {
  font-size: 36px !important;
  font-weight: 800 !important;
  color: #FFFFFF !important;
  font-family: 'Poppins', sans-serif !important;
  margin-bottom: 12px !important;
}
.page-hero-banner p {
  font-size: 15px !important;
  color: #CBD5E1 !important;
  max-width: 650px !important;
  margin: 0 auto !important;
}
.breadcrumb-nav {
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  gap: 8px !important;
  font-size: 13px !important;
  color: #94A3B8 !important;
  margin-top: 15px !important;
}
.breadcrumb-nav a {
  color: #FACC15 !important;
  text-decoration: none !important;
  font-weight: 600 !important;
}

/* HERO SECTION */
.exact-hero-section {
  position: relative;
  background: #04261B url('../images/hero-full-bg.png') no-repeat;
  background-position: right 38% center;
  background-size: auto 105%;
  color: #FFFFFF;
  padding: 60px 0 110px;
  overflow: hidden;
}
@media (min-width: 1400px) { .exact-hero-section { background-position: right 42% center; background-size: auto 110%; } }

.exact-hero-grid { display: grid; grid-template-columns: 1.15fr 1fr; gap: 30px; align-items: center; position: relative; z-index: 2; }
.hero-gold-badge { display: inline-flex; align-items: center; gap: 8px; border: 1px solid rgba(250, 204, 21, 0.5); background: rgba(4, 38, 27, 0.7); color: var(--gold-bright); padding: 6px 16px; border-radius: 50px; font-size: 12px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; margin-bottom: 25px; }
.hero-exact-title { font-size: 46px; font-weight: 800; color: #FFFFFF; line-height: 1.2; margin-bottom: 20px; font-family: 'Poppins', 'Manrope', sans-serif; }
.hero-exact-title .text-gold { color: var(--gold-bright); text-shadow: 0 0 25px rgba(250, 204, 21, 0.3); }
.hero-exact-subtitle { font-size: 16px; color: #E2E8F0; line-height: 1.7; max-width: 580px; margin-bottom: 35px; }
.hero-buttons-wrapper { display: flex; gap: 15px; flex-wrap: wrap; margin-bottom: 35px; }

.btn-hero-gold { background: linear-gradient(135deg, #FACC15 0%, #D4AF37 100%); color: #04261B; font-family: var(--font-heading); font-weight: 800; font-size: 13px; letter-spacing: 0.5px; padding: 14px 28px; border-radius: 6px; display: inline-flex; align-items: center; gap: 8px; box-shadow: 0 6px 20px rgba(250, 204, 21, 0.3); border: none; }
.btn-hero-gold:hover { background: linear-gradient(135deg, #FFE066 0%, #EAB308 100%); transform: translateY(-2px); }
.btn-hero-dark-outline { background: rgba(4, 38, 27, 0.85); border: 1px solid var(--gold-bright); color: #FFFFFF; font-family: var(--font-heading); font-weight: 700; font-size: 13px; letter-spacing: 0.5px; padding: 14px 28px; border-radius: 6px; display: inline-flex; align-items: center; gap: 8px; }
.btn-hero-dark-outline:hover { background: var(--gold-bright); color: #04261B; }

.hero-trust-features-row { display: flex; gap: 20px; flex-wrap: wrap; align-items: center; border-top: 1px solid rgba(255, 255, 255, 0.15); padding-top: 20px; font-size: 12px; color: #CBD5E1; font-weight: 500; }
.hero-trust-features-row span { display: inline-flex; align-items: center; gap: 6px; }
.hero-trust-features-row i { color: var(--gold-bright); font-size: 14px; }
.hero-person-spacer { min-height: 480px; }

/* Overlapping White Container */
.hero-overlapping-container { margin-top: -60px; position: relative; z-index: 10; padding-bottom: 50px; }
.hero-service-white-card { background: #FFFFFF; border-radius: 20px; padding: 30px 25px; box-shadow: 0 15px 35px rgba(0, 0, 0, 0.08); border: 1px solid #E2E8F0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.hero-service-col { display: flex; align-items: flex-start; gap: 16px; padding-right: 15px; border-right: 1px solid #F1F5F9; }
.hero-service-col:last-child { border-right: none; padding-right: 0; }
.service-circle-icon { width: 54px; height: 54px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 22px; color: #FFFFFF; flex-shrink: 0; }
.icon-life { background: #0D4B36; }
.icon-health { background: #008080; }
.icon-motor { background: #1D4ED8; }
.icon-general { background: #D97706; }
.hero-service-col h4 { font-size: 16px; color: #0F1C3F; font-weight: 700; margin-bottom: 6px; }
.hero-service-col p { font-size: 12px; color: #64748B; line-height: 1.5; margin-bottom: 10px; }
.hero-service-col a { font-family: var(--font-heading); font-size: 11px; font-weight: 800; color: #0D4B36; text-transform: uppercase; letter-spacing: 0.5px; display: inline-flex; align-items: center; gap: 4px; }

/* WHY CHOOSE US HORIZONTAL BANNER */
.why-choose-horizontal-banner { background: #04261B; border-radius: 16px; padding: 35px 30px; margin-bottom: 60px; border: 1px solid rgba(255, 255, 255, 0.1); box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); }
.why-banner-title { display: flex; align-items: center; justify-content: center; gap: 15px; margin-bottom: 30px; }
.gold-line { height: 1.5px; width: 60px; background: #D4AF37; display: inline-block; }
.why-banner-title h2 { font-size: 18px; font-weight: 800; color: #FACC15; letter-spacing: 1.5px; margin: 0; font-family: 'Poppins', sans-serif; text-transform: uppercase; text-align: center; }
.why-banner-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 0; }
.why-banner-col { text-align: center; padding: 0 14px; border-right: 1px solid rgba(255, 255, 255, 0.12); display: flex; flex-direction: column; align-items: center; }
.why-banner-col:last-child { border-right: none; }
.why-banner-icon { color: #FACC15; font-size: 26px; margin-bottom: 12px; height: 32px; display: flex; align-items: center; justify-content: center; }
.why-banner-col h3 { font-size: 14px; font-weight: 700; color: #FFFFFF; margin-bottom: 8px; font-family: 'Poppins', sans-serif; min-height: 38px; display: flex; align-items: center; justify-content: center; text-align: center; line-height: 1.3; }
.why-banner-col p { font-size: 11px; color: #94A3B8; line-height: 1.5; margin: 0; }

/* OUR INSURANCE SOLUTIONS GRID & CARDS */
.gold-subtitle-line { display: flex; align-items: center; justify-content: center; gap: 15px; margin-bottom: 6px; }
.subtitle-text { font-size: 20px; font-weight: 800; color: #0F172A; letter-spacing: 1.5px; font-family: 'Poppins', sans-serif; text-transform: uppercase; }
.insurance-solutions-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; align-items: stretch; margin-bottom: 60px; }
.solutions-card { background: #FFFFFF; border-radius: 16px; border: 1px solid #E2E8F0; box-shadow: 0 4px 15px rgba(0,0,0,0.05); overflow: hidden; display: flex; flex-direction: column; transition: all 0.3s ease; padding-bottom: 18px; }
.solutions-card:hover { transform: translateY(-6px); box-shadow: 0 16px 35px rgba(0,0,0,0.1); }
.card-img-wrapper { height: 165px; width: 100%; overflow: hidden; position: relative; }
.card-img-wrapper img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.4s ease; }
.solutions-card:hover .card-img-wrapper img { transform: scale(1.06); }
.card-badge { margin: -16px 14px 15px; padding: 7px 14px; border-radius: 6px; font-family: 'Poppins', sans-serif; font-size: 11px; font-weight: 700; color: #FFFFFF; display: inline-flex; align-items: center; gap: 6px; position: relative; z-index: 2; box-shadow: 0 4px 10px rgba(0,0,0,0.15); width: fit-content; letter-spacing: 0.5px; }
.badge-life { background: #0D4B36; }
.badge-health { background: #008080; }
.badge-motor { background: #1D4ED8; }
.badge-general { background: #D97706; }
.card-plan-list { list-style: none; padding: 0 18px; margin: 0 0 20px; flex-grow: 1; }
.card-plan-list li { font-size: 12px; color: #334155; margin-bottom: 8px; display: flex; align-items: center; gap: 8px; font-weight: 600; }
.card-plan-list li i { font-size: 13px; color: #64748B; }
.btn-card-action { margin: 0 16px; padding: 10px; border-radius: 6px; font-family: 'Poppins', sans-serif; font-size: 12px; font-weight: 800; color: #FFFFFF; text-align: center; display: flex; align-items: center; justify-content: center; gap: 6px; letter-spacing: 0.5px; text-transform: uppercase; border: none; transition: all 0.25s ease; }
.btn-card-life { background: #0D4B36; }
.btn-card-life:hover { background: #125D44; }
.btn-card-health { background: #008080; }
.btn-card-health:hover { background: #00A3A3; }
.btn-card-motor { background: #1D4ED8; }
.btn-card-motor:hover { background: #2563EB; }
.btn-card-general { background: #D97706; }
.btn-card-general:hover { background: #F59E0B; }

/* SERVICES CATALOGUE SQUARE CARDS WITH PHOTOS GRID */
.services-catalogue-grid {
  display: grid !important;
  grid-template-columns: repeat(3, 1fr) !important;
  gap: 24px !important;
  align-items: stretch !important;
}

.service-box-card {
  background: #FFFFFF !important;
  border-radius: 16px !important;
  border: 1px solid #E2E8F0 !important;
  box-shadow: 0 4px 15px rgba(0,0,0,0.04) !important;
  display: flex !important;
  flex-direction: column !important;
  justify-content: space-between !important;
  transition: all 0.3s ease !important;
  position: relative !important;
  overflow: hidden !important;
  padding-bottom: 20px !important;
}

.service-box-card:hover {
  transform: translateY(-6px) !important;
  box-shadow: 0 16px 35px rgba(0,0,0,0.1) !important;
  border-color: #0D4B36 !important;
}

.service-box-img-wrapper {
  height: 160px !important;
  width: 100% !important;
  position: relative !important;
  overflow: hidden !important;
}

.service-box-img-wrapper img {
  width: 100% !important;
  height: 100% !important;
  object-fit: cover !important;
  transition: transform 0.4s ease !important;
}

.service-box-card:hover .service-box-img-wrapper img {
  transform: scale(1.08) !important;
}

.service-box-floating-badge {
  position: absolute !important;
  top: 12px !important;
  right: 12px !important;
  font-family: 'Poppins', sans-serif !important;
  font-size: 10px !important;
  font-weight: 800 !important;
  letter-spacing: 0.5px !important;
  text-transform: uppercase !important;
  padding: 5px 12px !important;
  border-radius: 50px !important;
  color: #FFFFFF !important;
  box-shadow: 0 4px 10px rgba(0,0,0,0.2) !important;
  z-index: 2 !important;
}

.badge-life-insurance { background: #0D4B36 !important; }
.badge-health-insurance { background: #008080 !important; }
.badge-motor-insurance { background: #1D4ED8 !important; }
.badge-general-insurance { background: #D97706 !important; }

.service-box-body {
  padding: 20px 20px 10px !important;
  display: flex !important;
  flex-direction: column !important;
  flex-grow: 1 !important;
}

.service-box-title {
  font-family: 'Poppins', sans-serif !important;
  font-size: 17px !important;
  font-weight: 700 !important;
  color: #0F1C3F !important;
  margin-bottom: 10px !important;
  line-height: 1.3 !important;
}

.service-box-desc {
  font-size: 13px !important;
  color: #64748B !important;
  line-height: 1.6 !important;
  margin-bottom: 15px !important;
  flex-grow: 1 !important;
}

.service-box-footer {
  display: flex !important;
  align-items: center !important;
  justify-content: space-between !important;
  border-top: 1px solid #F1F5F9 !important;
  padding: 16px 20px 0 !important;
  margin-top: auto !important;
}

.service-box-link {
  font-family: 'Poppins', sans-serif !important;
  font-size: 12px !important;
  font-weight: 700 !important;
  color: #0D4B36 !important;
  text-decoration: none !important;
  display: inline-flex !important;
  align-items: center !important;
  gap: 4px !important;
}

.service-box-link:hover {
  color: #FACC15 !important;
}

.btn-service-enquire {
  background: linear-gradient(135deg, #FACC15 0%, #D4AF37 100%) !important;
  color: #04261B !important;
  font-family: 'Poppins', sans-serif !important;
  font-weight: 800 !important;
  font-size: 11px !important;
  padding: 8px 16px !important;
  border-radius: 6px !important;
  text-decoration: none !important;
  letter-spacing: 0.4px !important;
  text-transform: uppercase !important;
  transition: all 0.25s ease !important;
  box-shadow: 0 2px 6px rgba(250, 204, 21, 0.25) !important;
}

.btn-service-enquire:hover {
  background: #FACC15 !important;
  transform: translateY(-1px) !important;
}

/* ==========================================================================
   EXPLICIT ACCORDION STYLING FOR FAQ & CLAIMS
   ========================================================================== */
.accordion-list {
  display: flex !important;
  flex-direction: column !important;
  gap: 16px !important;
}

.accordion-item {
  background: #FFFFFF !important;
  border: 1px solid #E2E8F0 !important;
  border-radius: 12px !important;
  margin-bottom: 0 !important;
  overflow: hidden !important;
  box-shadow: 0 2px 8px rgba(0,0,0,0.04) !important;
  transition: all 0.25s ease !important;
}

.accordion-item:hover {
  border-color: #CBD5E1 !important;
  box-shadow: 0 4px 12px rgba(0,0,0,0.06) !important;
}

.accordion-header {
  padding: 18px 24px !important;
  font-family: 'Poppins', sans-serif !important;
  font-weight: 700 !important;
  font-size: 15px !important;
  color: #0F1C3F !important;
  cursor: pointer !important;
  display: flex !important;
  justify-content: space-between !important;
  align-items: center !important;
  background: #FFFFFF !important;
  transition: background 0.2s ease !important;
}

.accordion-header:hover {
  background: #F8FAFC !important;
}

.accordion-header i {
  transition: transform 0.3s ease !important;
  color: #0D4B36 !important;
  font-size: 16px !important;
}

.accordion-item.active .accordion-header i.bi-chevron-down {
  transform: rotate(180deg) !important;
}

.accordion-body {
  padding: 0 24px 20px !important;
  display: none !important;
  font-size: 14px !important;
  color: #334155 !important;
  line-height: 1.7 !important;
  border-top: 1px solid #F1F5F9 !important;
  background: #FFFFFF !important;
}

.accordion-item.active .accordion-body {
  display: block !important;
  padding-top: 16px !important;
}

/* CLAIM ASSISTANCE PROCESS SECTION */
.claim-assistance-white-card { background: #FFFFFF; border-radius: 18px; border: 1px solid #E2E8F0; box-shadow: 0 6px 25px rgba(0,0,0,0.05); padding: 35px 30px; display: grid; grid-template-columns: 3fr 1fr; gap: 30px; align-items: center; }
.claim-steps-left-grid { display: flex; align-items: center; justify-content: space-between; gap: 15px; }
.claim-step-item { text-align: center; display: flex; flex-direction: column; align-items: center; max-width: 140px; }
.step-circle-icon { width: 60px; height: 60px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 24px; color: #FFFFFF; position: relative; margin-bottom: 15px; }
.icon-step-1 { background: #0D4B36; }
.icon-step-2 { background: #008080; }
.icon-step-3 { background: #1D4ED8; }
.icon-step-4 { background: #D97706; }
.step-num-badge { position: absolute; bottom: -6px; background: #FFFFFF; color: #0F172A; border: 1px solid #E2E8F0; font-family: 'Poppins', sans-serif; font-size: 10px; font-weight: 800; padding: 1px 6px; border-radius: 50px; box-shadow: 0 2px 4px rgba(0,0,0,0.1); }
.claim-step-item h4 { font-size: 14px; font-weight: 700; color: #0F1C3F; margin-bottom: 4px; }
.claim-step-item p { font-size: 11px; color: #64748B; line-height: 1.4; margin: 0; }
.step-arrow-divider { color: #CBD5E1; font-size: 12px; letter-spacing: 2px; font-weight: bold; }
.claim-info-right-box { background: #F8FAFC; border: 1px dashed #CBD5E1; border-radius: 12px; padding: 24px; text-align: center; display: flex; flex-direction: column; align-items: center; }
.claim-info-graphic { font-size: 38px; color: #0D4B36; margin-bottom: 10px; }
.claim-info-right-box p { font-size: 12px; color: #334155; line-height: 1.5; margin-bottom: 15px; font-weight: 500; }
.btn-know-more { background: #04261B; color: #FFFFFF; font-family: 'Poppins', sans-serif; font-size: 11px; font-weight: 800; padding: 8px 18px; border-radius: 4px; letter-spacing: 0.5px; display: inline-flex; align-items: center; gap: 6px; }
.btn-know-more:hover { background: #0D4B36; color: #FFFFFF; }

/* TESTIMONIALS SLIDER SECTION */
.testimonials-slider-wrapper { display: flex; align-items: center; gap: 16px; position: relative; }
.slider-arrow-btn { width: 44px; height: 44px; border-radius: 50%; border: 1.5px solid #CBD5E1; background: #FFFFFF; color: #1E293B; font-size: 18px; display: flex; align-items: center; justify-content: center; cursor: pointer; flex-shrink: 0; transition: all 0.25s ease; box-shadow: 0 4px 10px rgba(0,0,0,0.06); z-index: 5; }
.slider-arrow-btn:hover { border-color: #0D4B36; color: #FFFFFF; background: #0D4B36; transform: scale(1.05); }

.testimonials-cards-grid {
  display: flex !important;
  gap: 20px !important;
  overflow-x: auto !important;
  scroll-behavior: smooth !important;
  scroll-snap-type: x mandatory !important;
  padding: 10px 4px 20px !important;
  flex-grow: 1 !important;
  -webkit-overflow-scrolling: touch !important;
  scrollbar-width: none !important;
}
.testimonials-cards-grid::-webkit-scrollbar { display: none !important; }

.testi-exact-card {
  min-width: 320px !important;
  flex: 0 0 calc(33.333% - 14px) !important;
  scroll-snap-align: start !important;
  background: #FFFFFF;
  border-radius: 14px;
  border: 1px solid #E2E8F0;
  box-shadow: 0 4px 15px rgba(0,0,0,0.04);
  padding: 24px;
  position: relative;
  display: flex;
  flex-direction: column;
  box-sizing: border-border-box;
}
@media (max-width: 991px) {
  .testi-exact-card { flex: 0 0 calc(50% - 10px) !important; min-width: 290px !important; }
}
@media (max-width: 575px) {
  .testi-exact-card { flex: 0 0 100% !important; min-width: 270px !important; }
}
.testi-card-header { display: flex; align-items: flex-start; gap: 16px; position: relative; }
.testi-user-photo { width: 64px; height: 64px; border-radius: 50%; object-fit: cover; flex-shrink: 0; border: 2px solid #E2E8F0; }
.testi-card-right { flex-grow: 1; }
.stars-gold { color: #F59E0B; font-size: 13px; margin-bottom: 8px; }
.testi-quote-text { font-size: 13px; color: #334155; font-style: italic; line-height: 1.5; margin-bottom: 12px; }
.testi-author-name { font-family: 'Poppins', sans-serif; font-size: 12px; font-weight: 700; color: #0F1C3F; }
.quote-icon-bg { position: absolute; top: -5px; right: 0; font-size: 28px; color: #E2E8F0; pointer-events: none; }

/* LATEST INSURANCE RESOURCES (BLOG GRID) */
.view-all-blogs-link { font-family: 'Poppins', sans-serif; font-size: 12px; font-weight: 800; color: #0D4B36; letter-spacing: 0.5px; display: inline-flex; align-items: center; gap: 6px; white-space: nowrap; }
.view-all-blogs-link:hover { color: #FACC15; }
.blogs-exact-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.blog-exact-card { background: #FFFFFF; border-radius: 14px; border: 1px solid #E2E8F0; box-shadow: 0 4px 15px rgba(0,0,0,0.04); overflow: hidden; display: flex; flex-direction: column; transition: all 0.3s ease; }
.blog-exact-card:hover { transform: translateY(-5px); box-shadow: 0 14px 30px rgba(0,0,0,0.08); }
.blog-card-img { height: 150px; width: 100%; overflow: hidden; }
.blog-card-img img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.4s ease; }
.blog-exact-card:hover .blog-card-img img { transform: scale(1.06); }
.blog-card-body { padding: 18px; display: flex; flex-direction: column; flex-grow: 1; }
.blog-meta-date { font-size: 11px; color: #64748B; margin-bottom: 8px; font-weight: 500; }
.blog-card-body h4 { font-size: 14px; font-weight: 700; color: #0F1C3F; line-height: 1.4; margin-bottom: 14px; flex-grow: 1; }
.blog-read-more { font-family: 'Poppins', sans-serif; font-size: 11px; font-weight: 800; color: #0D4B36; letter-spacing: 0.5px; display: inline-flex; align-items: center; gap: 4px; }
.blog-read-more:hover { color: #FACC15; }

/* CTA DARK BANNER */
.exact-cta-dark-banner { background: #04261B url('../images/hero-bg.jpg') no-repeat center right; background-size: cover; border-radius: 16px; padding: 40px; color: #FFFFFF; display: flex; align-items: center; justify-content: space-between; gap: 30px; box-shadow: 0 16px 40px rgba(0,0,0,0.15); border: 1px solid rgba(255,255,255,0.1); }
.cta-left-content { display: flex; align-items: center; gap: 20px; }
.cta-shield-emblem { width: 68px; height: 68px; border-radius: 50%; background: rgba(250, 204, 21, 0.15); border: 2px solid #FACC15; color: #FACC15; display: flex; align-items: center; justify-content: center; font-size: 34px; flex-shrink: 0; box-shadow: 0 0 20px rgba(250, 204, 21, 0.3); }
.cta-left-content h2 { font-size: 26px; font-weight: 800; color: #FFFFFF; margin-bottom: 6px; font-family: 'Poppins', sans-serif; }
.cta-left-content p { font-size: 14px; color: #CBD5E1; margin: 0; max-width: 520px; }
.cta-right-buttons { display: flex; flex-direction: column; gap: 12px; flex-shrink: 0; }
.cta-btn-row-top { display: flex; gap: 12px; }
.btn-cta-gold { background: linear-gradient(135deg, #FACC15 0%, #D4AF37 100%); color: #04261B; font-family: 'Poppins', sans-serif; font-weight: 800; font-size: 12px; padding: 12px 20px; border-radius: 6px; display: inline-flex; align-items: center; gap: 6px; white-space: nowrap; }
.btn-cta-gold:hover { background: #FACC15; }
.btn-cta-green { background: rgba(4, 38, 27, 0.9); border: 1px solid #4ADE80; color: #4ADE80; font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 12px; padding: 12px 20px; border-radius: 6px; display: inline-flex; align-items: center; gap: 6px; white-space: nowrap; }
.btn-cta-green:hover { background: #4ADE80; color: #04261B; }
.btn-cta-outline-gold { background: rgba(4, 38, 27, 0.9); border: 1px solid #FACC15; color: #FACC15; font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 12px; padding: 12px 20px; border-radius: 6px; display: flex; align-items: center; justify-content: center; gap: 6px; width: 100%; }
.btn-cta-outline-gold:hover { background: #FACC15; color: #04261B; }

/* Floating WhatsApp Widget */
.floating-whatsapp { position: fixed; bottom: 85px; right: 25px; z-index: 999; width: 58px; height: 58px; background: #25D366; color: #FFFFFF; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 32px; box-shadow: 0 8px 20px rgba(37, 211, 102, 0.4); transition: all 0.3s ease; }
.floating-whatsapp:hover { transform: scale(1.1); }
@media (min-width: 992px) { .floating-whatsapp { bottom: 30px; } }

/* 100% EXPLICIT SITE FOOTER STYLING */
footer.site-footer {
  background: #04261B !important;
  color: #CBD5E1 !important;
  padding: 60px 0 30px !important;
  border-top: 3px solid #D4AF37 !important;
  position: relative !important;
  z-index: 10 !important;
  font-family: var(--font-body) !important;
}

.footer-disclaimer-box {
  background: rgba(255, 255, 255, 0.05) !important;
  border: 1px solid rgba(250, 204, 21, 0.3) !important;
  padding: 18px 24px !important;
  border-radius: 10px !important;
  display: flex !important;
  align-items: flex-start !important;
  gap: 16px !important;
  margin-bottom: 45px !important;
  font-size: 12px !important;
  color: #CBD5E1 !important;
  line-height: 1.6 !important;
}

.disclaimer-icon {
  font-size: 24px !important;
  color: #FACC15 !important;
  flex-shrink: 0 !important;
  margin-top: 2px !important;
}

.disclaimer-text strong {
  color: #FACC15 !important;
}

.footer-grid {
  display: grid !important;
  grid-template-columns: 1.5fr 1fr 1fr 1.2fr !important;
  gap: 35px !important;
  margin-bottom: 45px !important;
}

.footer-brand-col {
  display: flex !important;
  flex-direction: column !important;
  align-items: flex-start !important;
}

.footer-logo-img {
  height: 55px !important;
  width: auto !important;
  margin-bottom: 18px !important;
}

.footer-brand-desc {
  font-size: 13px !important;
  color: #94A3B8 !important;
  line-height: 1.6 !important;
  margin-bottom: 20px !important;
}

.footer-social-links {
  display: flex !important;
  align-items: center !important;
  gap: 12px !important;
}

.footer-social-wa, .footer-social-fb {
  width: 36px !important;
  height: 36px !important;
  border-radius: 50% !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  font-size: 18px !important;
  text-decoration: none !important;
  transition: all 0.25s ease !important;
}

.footer-social-wa {
  background: rgba(37, 211, 102, 0.15) !important;
  color: #25D366 !important;
  border: 1px solid rgba(37, 211, 102, 0.3) !important;
}

.footer-social-wa:hover {
  background: #25D366 !important;
  color: #FFFFFF !important;
}

.footer-social-fb {
  background: rgba(24, 119, 242, 0.15) !important;
  color: #1877F2 !important;
  border: 1px solid rgba(24, 119, 242, 0.3) !important;
}

.footer-social-fb:hover {
  background: #1877F2 !important;
  color: #FFFFFF !important;
}

.footer-col-title {
  font-family: var(--font-heading) !important;
  font-size: 16px !important;
  font-weight: 700 !important;
  color: #FFFFFF !important;
  margin-bottom: 20px !important;
  position: relative !important;
  padding-bottom: 10px !important;
}

.footer-col-title::after {
  content: '' !important;
  position: absolute !important;
  bottom: 0 !important;
  left: 0 !important;
  width: 35px !important;
  height: 2.5px !important;
  background: #FACC15 !important;
  border-radius: 2px !important;
}

ul.footer-link-list {
  list-style: none !important;
  padding: 0 !important;
  margin: 0 !important;
}

ul.footer-link-list li {
  list-style: none !important;
  margin-bottom: 10px !important;
  padding: 0 !important;
}

ul.footer-link-list li a {
  color: #CBD5E1 !important;
  font-size: 13px !important;
  text-decoration: none !important;
  transition: all 0.2s ease !important;
  display: inline-block !important;
}

ul.footer-link-list li a:hover {
  color: #FACC15 !important;
  transform: translateX(3px) !important;
}

.footer-contact-block p {
  display: flex !important;
  align-items: flex-start !important;
  gap: 12px !important;
  font-size: 13px !important;
  color: #CBD5E1 !important;
  margin-bottom: 14px !important;
  line-height: 1.5 !important;
}

.contact-icon {
  font-size: 16px !important;
  color: #FACC15 !important;
  flex-shrink: 0 !important;
  margin-top: 3px !important;
}

.contact-icon.wa-icon {
  color: #4ADE80 !important;
}

.footer-contact-block a {
  color: #CBD5E1 !important;
  text-decoration: none !important;
}

.footer-contact-block a:hover {
  color: #FACC15 !important;
}

.footer-bottom-row {
  border-top: 1px solid rgba(255, 255, 255, 0.1) !important;
  padding-top: 25px !important;
  display: flex !important;
  justify-content: space-between !important;
  align-items: center !important;
  flex-wrap: wrap !important;
  gap: 15px !important;
  font-size: 12px !important;
  color: #94A3B8 !important;
}

.footer-legal-links {
  display: flex !important;
  align-items: center !important;
  gap: 18px !important;
}

.footer-legal-links a {
  color: #94A3B8 !important;
  text-decoration: none !important;
  transition: color 0.2s ease !important;
}

.footer-legal-links a:hover {
  color: #FACC15 !important;
}

.footer-admin-link {
  color: #CBD5E1 !important;
  font-weight: 600 !important;
}

/* MOBILE BOTTOM STICKY BAR */
.mobile-bottom-bar {
  display: none !important;
  position: fixed !important;
  bottom: 0 !important;
  left: 0 !important;
  width: 100% !important;
  height: 60px !important;
  background: #04261B !important;
  border-top: 1px solid rgba(255, 255, 255, 0.15) !important;
  z-index: 9999 !important;
  grid-template-columns: 1fr 1fr 1fr !important;
}

.mobile-bar-item {
  display: flex !important;
  flex-direction: column !important;
  align-items: center !important;
  justify-content: center !important;
  color: #FFFFFF !important;
  font-size: 11px !important;
  font-weight: 700 !important;
  text-decoration: none !important;
  border-right: 1px solid rgba(255, 255, 255, 0.08) !important;
  gap: 3px !important;
}

.mobile-bar-item:last-child {
  border-right: none !important;
}

.mobile-bar-item i {
  font-size: 16px !important;
}

.mobile-bar-item.call-btn { color: #38BDF8 !important; }
.mobile-bar-item.wa-btn { color: #4ADE80 !important; }
.mobile-bar-item.enquire-btn { color: #FACC15 !important; }

@media (max-width: 991px) {
  .exact-hero-grid { grid-template-columns: 1fr !important; gap: 0 !important; text-align: center !important; }
  .exact-hero-section { background-position: right -15px top 10px !important; background-size: auto 340px !important; padding: 35px 0 85px !important; }
  .hero-left { margin-top: 130px !important; text-align: center !important; }
  .hero-gold-badge { font-size: 10px !important; padding: 4px 12px !important; margin-bottom: 12px !important; }
  .hero-exact-title { font-size: 24px !important; line-height: 1.25 !important; margin-bottom: 12px !important; }
  .hero-exact-subtitle { font-size: 13px !important; line-height: 1.5 !important; margin-bottom: 20px !important; margin-left: auto !important; margin-right: auto !important; }
  .hero-buttons-wrapper { justify-content: center !important; margin-bottom: 20px !important; gap: 10px !important; }
  .btn-hero-gold, .btn-hero-dark-outline { padding: 11px 20px !important; font-size: 12px !important; }
  .hero-trust-features-row { justify-content: center !important; font-size: 11px !important; padding-top: 14px !important; gap: 8px 12px !important; }
  .hero-person-spacer { display: none !important; }

  .hero-service-white-card { grid-template-columns: repeat(2, 1fr) !important; gap: 24px !important; }
  .hero-service-col { border-right: none !important; border-bottom: 1px solid #F1F5F9 !important; padding-bottom: 15px !important; padding-right: 0 !important; }
  .hero-service-col:last-child { border-bottom: none !important; padding-bottom: 0 !important; }
  
  .why-banner-grid { grid-template-columns: repeat(3, 1fr) !important; gap: 20px 0 !important; }
  .why-banner-col { border-right: none !important; margin-bottom: 15px !important; }

  .insurance-solutions-grid { grid-template-columns: repeat(2, 1fr) !important; }

  .footer-grid { grid-template-columns: 1fr 1fr !important; }
  .claim-assistance-white-card { grid-template-columns: 1fr !important; }
  .claim-steps-left-grid { flex-wrap: wrap !important; justify-content: center !important; gap: 20px !important; }
  .step-arrow-divider { display: none !important; }
  .testimonials-cards-grid { grid-template-columns: 1fr !important; }
  .blogs-exact-grid { grid-template-columns: repeat(2, 1fr) !important; }
  .exact-cta-dark-banner { flex-direction: column !important; text-align: center !important; padding: 30px 20px !important; }
  .cta-left-content { flex-direction: column !important; text-align: center !important; }
  .mobile-bottom-bar { display: grid !important; }
  .services-catalogue-grid { grid-template-columns: repeat(2, 1fr) !important; }
}

@media (max-width: 768px) {
  .top-bar-container { justify-content: center !important; text-align: center !important; }
  .top-bar-right { gap: 10px !important; flex-wrap: wrap !important; justify-content: center !important; }
  .header-container { height: 70px !important; }
  .brand-logo img { height: 48px !important; }

  .page-hero-banner { padding: 45px 15px 35px !important; margin-bottom: 25px !important; }
  .page-hero-banner h1 { font-size: 26px !important; }
  
  .section-title { font-size: 26px !important; }
  .section-header { margin-bottom: 30px !important; }

  .hero-overlapping-container { margin-top: -40px !important; }
  .hero-service-white-card { padding: 20px 18px !important; }
  
  .content-card { padding: 24px 18px !important; }
}

@media (max-width: 575px) {
  .exact-hero-section { background-position: right -20px top 5px !important; background-size: auto 290px !important; padding: 20px 0 65px !important; }
  .hero-left { margin-top: 110px !important; }
  .hero-gold-badge { font-size: 9px !important; padding: 3px 10px !important; margin-bottom: 10px !important; }
  .hero-exact-title { font-size: 21px !important; line-height: 1.25 !important; margin-bottom: 10px !important; }
  .hero-exact-subtitle { font-size: 12px !important; margin-bottom: 15px !important; line-height: 1.4 !important; }
  .btn-hero-gold, .btn-hero-dark-outline { width: 100% !important; justify-content: center !important; padding: 10px 16px !important; font-size: 12px !important; }
  
  .hero-service-white-card { grid-template-columns: 1fr !important; }
  .why-banner-grid { grid-template-columns: 1fr !important; }
  .why-banner-col { border-bottom: 1px solid rgba(255,255,255,0.1) !important; padding-bottom: 15px !important; }
  .why-banner-col:last-child { border-bottom: none !important; }

  .insurance-solutions-grid { grid-template-columns: 1fr !important; }

  .footer-grid { grid-template-columns: 1fr !important; }
  .footer-bottom-row { flex-direction: column !important; text-align: center !important; }
  .footer-legal-links { justify-content: center !important; flex-wrap: wrap !important; }
  .blogs-exact-grid { grid-template-columns: 1fr !important; }
  .cta-btn-row-top { flex-direction: column !important; }
  .services-catalogue-grid { grid-template-columns: 1fr !important; }
}

/* ==========================================================================
   ABOUT US PAGE & GENERAL CONTENT UTILITIES
   ========================================================================== */
.section-padding {
  padding: 65px 0 !important;
}
@media (max-width: 768px) {
  .section-padding { padding: 45px 0 !important; }
}

.section-header {
  text-align: center !important;
  max-width: 720px !important;
  margin: 0 auto 45px !important;
}

.section-subtitle {
  font-family: var(--font-heading) !important;
  font-size: 13px !important;
  font-weight: 800 !important;
  color: var(--gold-dark) !important;
  letter-spacing: 1.5px !important;
  text-transform: uppercase !important;
  display: inline-block !important;
  margin-bottom: 8px !important;
}

.section-title {
  font-size: 32px !important;
  font-weight: 800 !important;
  color: #0F1C3F !important;
  margin-bottom: 12px !important;
  line-height: 1.3 !important;
  font-family: 'Poppins', sans-serif !important;
}

.section-desc {
  font-size: 15px !important;
  color: #64748B !important;
  line-height: 1.6 !important;
}

.services-grid {
  display: grid !important;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)) !important;
  gap: 25px !important;
  align-items: stretch !important;
}

.content-card {
  background: #FFFFFF !important;
  border-radius: 16px !important;
  border: 1px solid #E2E8F0 !important;
  box-shadow: 0 4px 15px rgba(0,0,0,0.04) !important;
  padding: 32px 28px !important;
  transition: all 0.3s ease !important;
  position: relative !important;
  margin: 0 !important;
}

.content-card:hover {
  transform: translateY(-4px) !important;
  box-shadow: 0 12px 30px rgba(0,0,0,0.08) !important;
}

/* About Owner Layout */
.about-owner-grid {
  display: grid !important;
  grid-template-columns: 1fr 1.2fr !important;
  gap: 50px !important;
  align-items: center !important;
}
@media (max-width: 991px) {
  .about-owner-grid {
    grid-template-columns: 1fr !important;
    gap: 35px !important;
  }
}

.owner-image-wrapper {
  position: relative !important;
  text-align: center !important;
}

.about-owner-img {
  width: 100% !important;
  max-width: 400px !important;
  height: auto !important;
  border-radius: 20px !important;
  box-shadow: 0 15px 35px rgba(0, 0, 0, 0.12) !important;
  border: 4px solid #FFFFFF !important;
  object-fit: cover !important;
}

.about-heading {
  font-size: 32px !important;
  color: #0F1C3F !important;
  margin-bottom: 18px !important;
  font-family: 'Poppins', sans-serif !important;
  font-weight: 800 !important;
  line-height: 1.3 !important;
}

.about-text-lead {
  font-size: 16px !important;
  color: #334155 !important;
  line-height: 1.8 !important;
  margin-bottom: 16px !important;
  font-weight: 500 !important;
}

.about-text {
  font-size: 15px !important;
  color: #64748B !important;
  line-height: 1.7 !important;
}

.owner-profile-card {
  margin-top: 28px !important;
  display: flex !important;
  gap: 16px !important;
  align-items: center !important;
  background: #F8FAFC !important;
  padding: 16px 22px !important;
  border-radius: 12px !important;
  border: 1px solid #E2E8F0 !important;
  width: fit-content !important;
}

.owner-avatar-icon {
  width: 50px !important;
  height: 50px !important;
  border-radius: 50% !important;
  background: rgba(13, 75, 54, 0.12) !important;
  color: #0D4B36 !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  font-size: 24px !important;
  flex-shrink: 0 !important;
}

.owner-profile-name {
  font-size: 16px !important;
  margin: 0 0 2px !important;
  color: #0F1C3F !important;
  font-family: 'Poppins', sans-serif !important;
  font-weight: 700 !important;
}

.owner-profile-title {
  font-size: 13px !important;
  color: #64748B !important;
  font-weight: 500 !important;
}

/* Vision & Mission Styling */
.vision-mission-grid {
  display: grid !important;
  grid-template-columns: 1fr 1fr !important;
  gap: 30px !important;
}
@media (max-width: 768px) {
  .vision-mission-grid { grid-template-columns: 1fr !important; }
}

.vision-card { border-left: 5px solid #FACC15 !important; }
.mission-card { border-left: 5px solid #0D4B36 !important; }

.vision-icon-box {
  width: 52px !important;
  height: 52px !important;
  border-radius: 14px !important;
  background: rgba(250, 204, 21, 0.15) !important;
  color: #CA8A04 !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  font-size: 24px !important;
  margin-bottom: 20px !important;
}

.mission-icon-box {
  width: 52px !important;
  height: 52px !important;
  border-radius: 14px !important;
  background: rgba(13, 75, 54, 0.15) !important;
  color: #0D4B36 !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  font-size: 24px !important;
  margin-bottom: 20px !important;
}

.vision-card h3, .mission-card h3 {
  font-size: 22px !important;
  color: #0F1C3F !important;
  margin-bottom: 12px !important;
  font-family: 'Poppins', sans-serif !important;
  font-weight: 700 !important;
}

.vision-card p, .mission-card p {
  font-size: 15px !important;
  color: #334155 !important;
  line-height: 1.7 !important;
  margin: 0 !important;
}

/* Philosophy Steps Layout */
.philosophy-steps-grid {
  display: grid !important;
  grid-template-columns: repeat(4, 1fr) !important;
  gap: 22px !important;
}
@media (max-width: 991px) {
  .philosophy-steps-grid { grid-template-columns: repeat(2, 1fr) !important; }
}
@media (max-width: 575px) {
  .philosophy-steps-grid { grid-template-columns: 1fr !important; }
}

.step-card {
  text-align: center !important;
  padding: 30px 20px !important;
}

.step-badge {
  width: 54px !important;
  height: 54px !important;
  border-radius: 50% !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  font-size: 20px !important;
  font-weight: 800 !important;
  margin: 0 auto 18px !important;
  font-family: 'Poppins', sans-serif !important;
}

.step-badge.step-1 { background: #04261B !important; color: #FACC15 !important; }
.step-badge.step-2 { background: #0D4B36 !important; color: #FFFFFF !important; }
.step-badge.step-3 { background: #D4AF37 !important; color: #04261B !important; }
.step-badge.step-4 { background: #04261B !important; color: #FACC15 !important; }

.step-card h3 {
  font-size: 17px !important;
  color: #0F1C3F !important;
  margin-bottom: 10px !important;
  font-family: 'Poppins', sans-serif !important;
  font-weight: 700 !important;
}

.step-card p {
  font-size: 13px !important;
  color: #64748B !important;
  line-height: 1.6 !important;
  margin: 0 !important;
}

/* ==========================================================================
   FORM CONTROLS & CALCULATOR SYSTEM
   ========================================================================== */
.form-group {
  margin-bottom: 22px !important;
}

.form-label {
  display: block !important;
  font-family: var(--font-heading) !important;
  font-size: 13px !important;
  font-weight: 700 !important;
  color: #0F1C3F !important;
  margin-bottom: 8px !important;
}

.form-control, .form-select {
  width: 100% !important;
  height: 48px !important;
  padding: 10px 16px !important;
  font-family: var(--font-body) !important;
  font-size: 14px !important;
  color: #0F172A !important;
  background-color: #F8FAFC !important;
  border: 1.5px solid #CBD5E1 !important;
  border-radius: 8px !important;
  transition: all 0.25s ease !important;
  outline: none !important;
  box-sizing: border-box !important;
}

textarea.form-control {
  height: auto !important;
  min-height: 120px !important;
  padding: 12px 16px !important;
  resize: vertical !important;
}

.form-control:focus, .form-select:focus {
  background-color: #FFFFFF !important;
  border-color: #0D4B36 !important;
  box-shadow: 0 0 0 4px rgba(13, 75, 54, 0.12) !important;
}

.form-control::placeholder {
  color: #94A3B8 !important;
  font-size: 13px !important;
}

.form-select {
  appearance: none !important;
  -webkit-appearance: none !important;
  -moz-appearance: none !important;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' fill='%230F1C3F' viewBox='0 0 16 16'%3E%3Cpath fill-rule='evenodd' d='M1.646 4.646a.5.5 0 0 1 .708 0L8 10.293l5.646-5.647a.5.5 0 0 1 .708.708l-6 6a.5.5 0 0 1-.708 0l-6-6a.5.5 0 0 1 0-.708z'/%3E%3C/svg%3E") !important;
  background-repeat: no-repeat !important;
  background-position: right 16px center !important;
  background-size: 14px 14px !important;
  padding-right: 42px !important;
  cursor: pointer !important;
}

.calc-grid {
  display: grid !important;
  grid-template-columns: 1.15fr 1fr !important;
  gap: 40px !important;
  align-items: center !important;
}
@media (max-width: 850px) {
  .calc-grid {
    grid-template-columns: 1fr !important;
    gap: 30px !important;
  }
}