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

:root {
  --primary-color: #001a4d;
  --secondary-color: #7d9fc6;
  --accent-color: #4a90e2;
  --text-color: #333;
  --light-bg: #f8f9fa;
  --white: #ffffff;
  --shadow: 0 2px 10px rgba(0, 0, 0, 0.1);
  --transition: all 0.3s ease;
}

body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, sans-serif;
  line-height: 1.6;
  color: var(--text-color);
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

.top-banner {
  background: var(--primary-color);
  color: var(--white);
  padding: 0.75rem 0;
  font-size: 0.85rem;
}

.banner-content {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 2rem;
  flex-wrap: wrap;
}

.banner-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.banner-item svg {
  flex-shrink: 0;
}

.banner-item a,
.banner-item span {
  color: var(--white);
  text-decoration: none;
  transition: var(--transition);
}

.banner-item a:hover {
  opacity: 0.8;
}

.page-loader {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: var(--white);
  display: flex;
  justify-content: center;
  align-items: center;
  z-index: 10000;
  transition: opacity 0.5s ease, visibility 0.5s ease;
}

.page-loader.hidden {
  opacity: 0;
  visibility: hidden;
}

.loader-spinner {
  width: 50px;
  height: 50px;
  border: 4px solid var(--light-bg);
  border-top: 4px solid var(--primary-color);
  border-radius: 50%;
  animation: spin 1s linear infinite;
}

@keyframes spin {
  0% { transform: rotate(0deg); }
  100% { transform: rotate(360deg); }
}

.header {
  background: var(--white);
  box-shadow: var(--shadow);
  position: sticky;
  top: 0;
  z-index: 1000;
  transition: var(--transition);
}

.header.scrolled {
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.15);
}

.navbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1rem 0;
}

.logo {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--primary-color);
  text-decoration: none;
  white-space: nowrap;
}

.nav-menu {
  display: flex;
  list-style: none;
  gap: 2rem;
  align-items: center;
}

.nav-menu a {
  text-decoration: none;
  color: var(--text-color);
  font-weight: 500;
  transition: var(--transition);
}

.nav-menu a:hover {
  color: var(--primary-color);
}

.btn-quote {
  background: var(--primary-color);
  color: var(--white) !important;
  padding: 0.75rem 1.5rem;
  border-radius: 4px;
  transition: var(--transition);
}

.btn-quote:hover {
  background: #003380;
  transform: translateY(-2px);
}

.mobile-toggle {
  display: none;
  flex-direction: column;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0.5rem;
}

.mobile-toggle span {
  width: 25px;
  height: 3px;
  background: var(--primary-color);
  margin: 3px 0;
  transition: var(--transition);
}

.hero {
  padding: 4rem 0;
  background: linear-gradient(135deg, rgba(0, 26, 77, 0.95), rgba(125, 159, 198, 0.85)),
              url('https://storage.googleapis.com/campaign-website-images/10016/pexels-photo-6004828.jpeg') center/cover;
  position: relative;
  overflow: hidden;
  color: var(--white);
}

.hero::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: radial-gradient(circle at 20% 50%, rgba(125, 159, 198, 0.2) 0%, transparent 50%);
  pointer-events: none;
}

.hero-content {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-text h1 {
  font-size: 2.5rem;
  color: var(--white);
  margin-bottom: 1.5rem;
  line-height: 1.2;
  animation: slideInLeft 0.8s ease-out;
  text-shadow: 0 2px 10px rgba(0, 0, 0, 0.3);
}

@keyframes slideInLeft {
  from {
    opacity: 0;
    transform: translateX(-50px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

.hero-text p {
  font-size: 1.1rem;
  margin-bottom: 2rem;
  color: rgba(255, 255, 255, 0.95);
  line-height: 1.8;
  animation: slideInLeft 0.8s ease-out 0.2s both;
  text-shadow: 0 1px 5px rgba(0, 0, 0, 0.2);
}

.btn-primary {
  display: inline-block;
  background: var(--white);
  color: var(--primary-color);
  padding: 1rem 2rem;
  text-decoration: none;
  border-radius: 4px;
  font-weight: 600;
  transition: var(--transition);
  animation: slideInLeft 0.8s ease-out 0.4s both;
  position: relative;
  overflow: hidden;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.3);
}

.btn-primary::before {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  width: 0;
  height: 0;
  border-radius: 50%;
  background: rgba(0, 26, 77, 0.1);
  transform: translate(-50%, -50%);
  transition: width 0.6s, height 0.6s;
}

.btn-primary:hover::before {
  width: 300px;
  height: 300px;
}

.btn-primary:hover {
  background: rgba(255, 255, 255, 0.95);
  transform: translateY(-2px);
  box-shadow: 0 6px 30px rgba(0, 0, 0, 0.4);
}

.hero-image {
  animation: slideInRight 0.8s ease-out 0.3s both;
}

@keyframes slideInRight {
  from {
    opacity: 0;
    transform: translateX(50px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

.hero-image img {
  width: 100%;
  height: auto;
  border-radius: 8px;
  box-shadow: var(--shadow);
  transition: var(--transition);
}

.hero-image img:hover {
  transform: scale(1.02);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.15);
}

.features-section {
  padding: 5rem 0;
}

.features-section h2 {
  text-align: center;
  font-size: 2rem;
  color: var(--primary-color);
  margin-bottom: 3rem;
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 2rem;
}

.feature-card {
  text-align: center;
  padding: 2rem;
  background: var(--white);
  border-radius: 8px;
  box-shadow: var(--shadow);
  transition: var(--transition);
}

.feature-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.15);
}

.feature-icon {
  width: 80px;
  height: 80px;
  margin: 0 auto 1.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--light-bg);
  border-radius: 50%;
}

.feature-icon svg {
  stroke: var(--primary-color);
}

.feature-card h3 {
  font-size: 1rem;
  line-height: 1.6;
  color: var(--text-color);
}

.services-section {
  padding: 5rem 0;
  background: var(--light-bg);
}

.services-section h2 {
  text-align: center;
  font-size: 2rem;
  color: var(--primary-color);
  margin-bottom: 3rem;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(400px, 1fr));
  gap: 2rem;
}

.service-card {
  position: relative;
  overflow: hidden;
  border-radius: 8px;
  box-shadow: var(--shadow);
  transition: var(--transition);
}

.service-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.15);
}

.service-image {
  height: 400px;
  overflow: hidden;
}

.service-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.service-content {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  padding: 2rem;
  background: linear-gradient(to top, rgba(0, 26, 77, 0.95), transparent);
  color: var(--white);
}

.service-content h3 {
  font-size: 2rem;
  margin-bottom: 1rem;
  text-transform: uppercase;
  letter-spacing: 1px;
}

.btn-secondary {
  display: inline-block;
  color: var(--white);
  text-decoration: none;
  padding: 0.75rem 1.5rem;
  border: 2px solid var(--white);
  border-radius: 4px;
  font-weight: 600;
  transition: var(--transition);
}

.btn-secondary:hover {
  background: var(--white);
  color: var(--primary-color);
}

.stats-section {
  padding: 5rem 0;
  background: var(--primary-color);
  color: var(--white);
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 3rem;
  text-align: center;
}

.stat-card {
  padding: 2rem;
}

.stat-number {
  font-size: 3.5rem;
  font-weight: 700;
  margin-bottom: 0.5rem;
  background: linear-gradient(135deg, var(--white), var(--secondary-color));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.stat-label {
  font-size: 1rem;
  opacity: 0.9;
  font-weight: 500;
}

.about-section {
  padding: 5rem 0;
  background: var(--secondary-color);
  color: var(--white);
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.about-image img {
  width: 100%;
  height: auto;
  border-radius: 8px;
}

.about-content h2 {
  font-size: 2rem;
  margin-bottom: 1.5rem;
}

.about-content p {
  margin-bottom: 1.5rem;
  line-height: 1.8;
}

.process-section {
  padding: 5rem 0;
}

.process-section h2 {
  text-align: center;
  font-size: 2rem;
  color: var(--primary-color);
  margin-bottom: 0.5rem;
}

.section-subtitle {
  text-align: center;
  color: #666;
  font-size: 1.1rem;
  margin-bottom: 3rem;
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 2rem;
  position: relative;
}

.process-card {
  text-align: center;
  padding: 2rem;
  background: var(--white);
  border-radius: 8px;
  box-shadow: var(--shadow);
  transition: var(--transition);
  position: relative;
}

.process-card:hover {
  transform: translateY(-10px);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.15);
}

.process-number {
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, var(--primary-color), var(--secondary-color));
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  font-weight: 700;
  margin: 0 auto 1.5rem;
  box-shadow: 0 4px 15px rgba(0, 26, 77, 0.3);
  animation: pulse 2s ease-in-out infinite;
}

@keyframes pulse {
  0%, 100% {
    transform: scale(1);
  }
  50% {
    transform: scale(1.05);
  }
}

.process-card h3 {
  color: var(--primary-color);
  margin-bottom: 1rem;
  font-size: 1.3rem;
}

.process-card p {
  color: #555;
  line-height: 1.8;
}

.testimonials-section {
  padding: 5rem 0;
  background: var(--light-bg);
}

.testimonials-section h2 {
  text-align: center;
  font-size: 2rem;
  color: var(--primary-color);
  margin-bottom: 3rem;
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 2rem;
}

.testimonial-card {
  background: var(--white);
  padding: 2rem;
  border-radius: 8px;
  box-shadow: var(--shadow);
  transition: var(--transition);
  position: relative;
}

.testimonial-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.15);
}

.testimonial-stars {
  color: #ffc107;
  font-size: 1.5rem;
  margin-bottom: 1rem;
}

.testimonial-text {
  font-style: italic;
  color: #555;
  line-height: 1.8;
  margin-bottom: 1.5rem;
}

.testimonial-author strong {
  display: block;
  color: var(--primary-color);
  font-size: 1.1rem;
  margin-bottom: 0.25rem;
}

.testimonial-author span {
  color: #666;
  font-size: 0.9rem;
}

.cta-section {
  padding: 5rem 0;
  background: linear-gradient(135deg, var(--primary-color), var(--secondary-color));
  color: var(--white);
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  top: -50%;
  left: -50%;
  width: 200%;
  height: 200%;
  background: radial-gradient(circle, rgba(255,255,255,0.1) 1px, transparent 1px);
  background-size: 50px 50px;
  animation: moveBackground 20s linear infinite;
}

@keyframes moveBackground {
  0% {
    transform: translate(0, 0);
  }
  100% {
    transform: translate(50px, 50px);
  }
}

.cta-content {
  position: relative;
  z-index: 1;
}

.cta-content h2 {
  font-size: 2.5rem;
  margin-bottom: 2rem;
  animation: fadeInUp 1s ease-out;
}

@keyframes fadeInUp {
  from {
    opacity: 0;
    transform: translateY(30px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.btn-cta {
  display: inline-block;
  background: var(--white);
  color: var(--primary-color);
  padding: 1rem 2.5rem;
  text-decoration: none;
  border-radius: 4px;
  font-weight: 600;
  font-size: 1.1rem;
  transition: var(--transition);
}

.btn-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 4px 20px rgba(255, 255, 255, 0.3);
}

.footer {
  background: linear-gradient(135deg, #1a4d6d 0%, #0d3a52 100%);
  color: var(--white);
  padding: 4rem 0 1.5rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 2.5rem;
  margin-bottom: 2.5rem;
}

.footer-col h3 {
  margin-bottom: 1.5rem;
  font-size: 1.2rem;
  font-weight: 600;
  color: var(--white);
}

.footer-about p {
  line-height: 1.8;
  color: rgba(255, 255, 255, 0.85);
  font-size: 0.95rem;
}

.footer-contact,
.footer-menu {
  list-style: none;
}

.footer-contact li {
  margin-bottom: 1rem;
  line-height: 1.6;
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  color: rgba(255, 255, 255, 0.85);
  font-size: 0.95rem;
}

.footer-contact li svg {
  flex-shrink: 0;
  margin-top: 0.2rem;
  stroke: var(--secondary-color);
}

.footer-contact a {
  color: rgba(255, 255, 255, 0.85);
  text-decoration: none;
  transition: var(--transition);
}

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

.footer-menu li {
  margin-bottom: 0.75rem;
}

.footer-menu a {
  color: rgba(255, 255, 255, 0.85);
  text-decoration: none;
  transition: var(--transition);
  font-size: 0.95rem;
}

.footer-menu a:hover {
  color: var(--white);
  padding-left: 5px;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  padding-top: 1.5rem;
  text-align: center;
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.9rem;
}

.page-header {
  background: linear-gradient(135deg, var(--primary-color), var(--secondary-color));
  color: var(--white);
  padding: 4rem 0 2rem;
  text-align: center;
}

.page-header h1 {
  font-size: 2.5rem;
  margin-bottom: 1rem;
}

.breadcrumb {
  display: flex;
  justify-content: center;
  gap: 0.5rem;
  align-items: center;
}

.breadcrumb a {
  color: var(--white);
  text-decoration: none;
  opacity: 0.9;
}

.breadcrumb a:hover {
  opacity: 1;
}

.content-intro {
  padding: 5rem 0;
  background: var(--white);
}

.intro-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.intro-image img {
  width: 100%;
  height: auto;
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.intro-content h2 {
  color: var(--primary-color);
  font-size: 2rem;
  margin-bottom: 1.5rem;
}

.intro-content p {
  color: #555;
  line-height: 1.8;
  margin-bottom: 1.25rem;
}

.insurance-types {
  padding: 5rem 0;
  background: var(--light-bg);
}

.insurance-types h2 {
  text-align: center;
  font-size: 2rem;
  color: var(--primary-color);
  margin-bottom: 3rem;
}

.types-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 2rem;
}

.type-card {
  background: var(--white);
  padding: 2rem;
  border-radius: 8px;
  box-shadow: var(--shadow);
  text-align: center;
  transition: var(--transition);
}

.type-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.15);
}

.type-icon {
  width: 80px;
  height: 80px;
  margin: 0 auto 1.5rem;
  background: var(--light-bg);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.type-icon svg {
  stroke: var(--primary-color);
}

.type-card h3 {
  color: var(--primary-color);
  margin-bottom: 1rem;
  font-size: 1.3rem;
}

.type-card p {
  color: #555;
  line-height: 1.8;
}

.benefits-section {
  padding: 5rem 0;
  background: var(--white);
}

.benefits-section h2 {
  text-align: center;
  font-size: 2rem;
  color: var(--primary-color);
  margin-bottom: 3rem;
}

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2rem;
}

.benefit-item {
  padding: 2rem;
  background: var(--light-bg);
  border-radius: 8px;
  text-align: center;
  transition: var(--transition);
}

.benefit-item:hover {
  transform: translateY(-5px);
  background: var(--white);
  box-shadow: var(--shadow);
}

.benefit-icon {
  font-size: 3rem;
  margin-bottom: 1rem;
}

.benefit-item h3 {
  color: var(--primary-color);
  margin-bottom: 0.5rem;
  font-size: 1.2rem;
}

.benefit-item p {
  color: #555;
  line-height: 1.6;
}

.coverage-section {
  padding: 5rem 0;
  background: var(--light-bg);
}

.coverage-section h2 {
  text-align: center;
  font-size: 2rem;
  color: var(--primary-color);
  margin-bottom: 3rem;
}

.coverage-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.5rem;
}

.coverage-item {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1.5rem;
  background: var(--white);
  border-radius: 8px;
  box-shadow: var(--shadow);
  transition: var(--transition);
}

.coverage-item:hover {
  transform: translateX(5px);
}

.coverage-check {
  width: 40px;
  height: 40px;
  background: linear-gradient(135deg, var(--primary-color), var(--secondary-color));
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  font-weight: 700;
  flex-shrink: 0;
}

.coverage-item span {
  color: #555;
  font-weight: 500;
  line-height: 1.6;
}

.cta-simple {
  padding: 5rem 0;
  background: linear-gradient(135deg, var(--primary-color), var(--secondary-color));
  color: var(--white);
  text-align: center;
}

.cta-simple h2 {
  font-size: 2.5rem;
  margin-bottom: 1rem;
}

.cta-simple p {
  font-size: 1.1rem;
  margin-bottom: 2rem;
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
}

.tiers-section {
  padding: 5rem 0;
  background: var(--white);
}

.tiers-section h2 {
  text-align: center;
  font-size: 2.5rem;
  color: var(--primary-color);
  margin-bottom: 1rem;
}

.section-subtitle {
  text-align: center;
  font-size: 1.1rem;
  color: #666;
  margin-bottom: 3rem;
}

.tiers-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 2rem;
  margin-top: 3rem;
}

.tier-card {
  background: var(--white);
  border: 2px solid #e0e0e0;
  border-radius: 12px;
  padding: 2.5rem 2rem;
  text-align: center;
  transition: var(--transition);
  position: relative;
}

.tier-card:hover {
  transform: translateY(-10px);
  box-shadow: 0 15px 40px rgba(0, 0, 0, 0.15);
  border-color: var(--primary-color);
}

.tier-featured {
  border-color: var(--primary-color);
  border-width: 3px;
  box-shadow: 0 10px 30px rgba(0, 26, 77, 0.2);
}

.tier-badge {
  position: absolute;
  top: -15px;
  left: 50%;
  transform: translateX(-50%);
  background: linear-gradient(135deg, var(--primary-color), var(--secondary-color));
  color: var(--white);
  padding: 0.5rem 1.5rem;
  border-radius: 20px;
  font-size: 0.85rem;
  font-weight: 600;
}

.tier-header h3 {
  font-size: 2rem;
  color: var(--primary-color);
  margin-bottom: 0.5rem;
}

.tier-subtitle {
  color: #666;
  font-size: 1rem;
  margin-bottom: 2rem;
}

.tier-features {
  text-align: left;
  margin: 2rem 0;
}

.tier-feature {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  margin-bottom: 1rem;
  padding: 0.5rem 0;
}

.tier-feature svg {
  stroke: var(--primary-color);
  flex-shrink: 0;
  margin-top: 2px;
}

.tier-feature span {
  color: #555;
  line-height: 1.6;
}

.btn-tier {
  display: inline-block;
  background: var(--primary-color);
  color: var(--white);
  padding: 1rem 2.5rem;
  border-radius: 6px;
  text-decoration: none;
  font-weight: 600;
  transition: var(--transition);
  margin-top: 1rem;
}

.btn-tier:hover {
  background: var(--secondary-color);
  transform: translateY(-2px);
  box-shadow: 0 5px 20px rgba(0, 26, 77, 0.3);
}

.quote-section {
  padding: 5rem 0;
  background: var(--light-bg);
}

.quote-content {
  max-width: 800px;
  margin: 0 auto;
}

.quote-intro {
  text-align: center;
  margin-bottom: 3rem;
}

.quote-intro h2 {
  font-size: 2.5rem;
  color: var(--primary-color);
  margin-bottom: 1rem;
}

.quote-intro p {
  font-size: 1.1rem;
  color: #666;
  line-height: 1.8;
}

.content-section {
  padding: 4rem 0;
}

.content-wrapper {
  max-width: 900px;
  margin: 0 auto;
}

.content-wrapper h2 {
  color: var(--primary-color);
  margin-top: 2rem;
  margin-bottom: 1rem;
  font-size: 1.8rem;
}

.content-wrapper h3 {
  color: var(--primary-color);
  margin-top: 1.5rem;
  margin-bottom: 0.75rem;
  font-size: 1.3rem;
}

.content-wrapper p {
  margin-bottom: 1.25rem;
  line-height: 1.8;
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
}

.contact-info h3 {
  color: var(--primary-color);
  margin-bottom: 1rem;
  font-size: 1.8rem;
}

.contact-info > p {
  margin-bottom: 2rem;
  line-height: 1.8;
}

.contact-item {
  display: flex;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.contact-icon {
  width: 50px;
  height: 50px;
  background: var(--light-bg);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-icon svg {
  stroke: var(--primary-color);
}

.contact-item strong {
  display: block;
  color: var(--primary-color);
  margin-bottom: 0.25rem;
}

.contact-item a {
  color: var(--text-color);
  text-decoration: none;
}

.quote-form-container {
  background: var(--light-bg);
  padding: 2rem;
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.quote-form h3 {
  color: var(--primary-color);
  margin-bottom: 1.5rem;
  font-size: 1.8rem;
}

.form-group {
  margin-bottom: 1.5rem;
}

.form-group label {
  display: block;
  margin-bottom: 0.5rem;
  font-weight: 600;
  color: var(--text-color);
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 0.75rem;
  border: 1px solid #ddd;
  border-radius: 4px;
  font-size: 1rem;
  transition: var(--transition);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--primary-color);
  box-shadow: 0 0 0 3px rgba(0, 26, 77, 0.1);
}

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

.form-checkbox {
  margin-bottom: 1.5rem;
}

.form-checkbox input {
  margin-right: 0.5rem;
}

.form-checkbox label {
  font-size: 0.9rem;
  line-height: 1.6;
}

.privacy-text {
  display: block;
  margin-top: 0.5rem;
  font-size: 0.85rem;
}

.privacy-text a {
  color: var(--primary-color);
  text-decoration: none;
}

.privacy-text a:hover {
  text-decoration: underline;
}

.btn-submit {
  width: 100%;
  background: var(--primary-color);
  color: var(--white);
  padding: 1rem;
  border: none;
  border-radius: 4px;
  font-size: 1.1rem;
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition);
}

.btn-submit:hover {
  background: #003380;
  transform: translateY(-2px);
  box-shadow: var(--shadow);
}

.btn-submit:disabled {
  opacity: 0.6;
  cursor: not-allowed;
}

.btn-submit.loading::after {
  content: '';
  width: 16px;
  height: 16px;
  border: 2px solid var(--white);
  border-top-color: transparent;
  border-radius: 50%;
  display: inline-block;
  animation: spin 0.8s linear infinite;
  margin-left: 10px;
  vertical-align: middle;
}

.toast {
  position: fixed;
  bottom: 2rem;
  right: 2rem;
  background: var(--primary-color);
  color: var(--white);
  padding: 1rem 1.5rem;
  border-radius: 4px;
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.2);
  opacity: 0;
  transform: translateY(20px);
  transition: var(--transition);
  z-index: 1000;
}

.toast.show {
  opacity: 1;
  transform: translateY(0);
}

@media (max-width: 968px) {
  .nav-menu {
    position: fixed;
    left: -100%;
    top: 70px;
    flex-direction: column;
    background: var(--white);
    width: 100%;
    text-align: center;
    transition: var(--transition);
    box-shadow: var(--shadow);
    padding: 2rem 0;
    gap: 1rem;
  }

  .nav-menu.active {
    left: 0;
  }

  .mobile-toggle {
    display: flex;
  }

  .mobile-toggle.active span:nth-child(1) {
    transform: rotate(45deg) translate(8px, 8px);
  }

  .mobile-toggle.active span:nth-child(2) {
    opacity: 0;
  }

  .mobile-toggle.active span:nth-child(3) {
    transform: rotate(-45deg) translate(7px, -7px);
  }

  .hero-content,
  .about-grid,
  .contact-grid {
    grid-template-columns: 1fr;
  }

  .hero-text h1 {
    font-size: 2rem;
  }

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

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

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

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

  .process-grid,
  .testimonials-grid {
    grid-template-columns: 1fr;
  }

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

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

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

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

  .banner-content {
    flex-direction: column;
    gap: 0.75rem;
    align-items: flex-start;
  }

  .banner-item {
    font-size: 0.8rem;
  }
}

@media (max-width: 768px) {
  .features-grid {
    grid-template-columns: 1fr;
  }

  .hero-text h1 {
    font-size: 1.75rem;
  }

  .cta-content h2 {
    font-size: 1.75rem;
  }

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

  .stat-number {
    font-size: 2.5rem;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .footer-col {
    text-align: center;
  }

  .footer-contact li {
    justify-content: center;
  }
}