/* ==========================================================================
   DESIGN SYSTEM & VARIABLES - INTERNATIONAL EXPAT MEDICAL
   ========================================================================== */
:root {
    /* Color Palette */
    --primary: #0a4b4e;          /* Deep Clinical Slate Teal */
    --primary-light: #116266;
    --primary-rgb: 10, 75, 78;
    --accent: #14b8a6;           /* Vibrant Medical Mint */
    --accent-hover: #0d9488;
    --accent-rgb: 20, 184, 166;
    --success: #10b981;          /* Emerald Green */
    --danger: #f43f5e;           /* Rose Red */
    --warning: #f59e0b;          /* Amber Gold */
    
    /* Neutral Tones */
    --bg-light: #f2f8f8;
    --bg-dark: #051a1b;
    --bg-card: #ffffff;
    --text-dark: #0f1c1d;
    --text-light: #f2f8f8;
    --text-muted: #627b7c;
    --border-color: #d1e2e3;
    
    /* Layout & Animation */
    --font-heading: 'Outfit', sans-serif;
    --font-body: 'Plus Jakarta Sans', sans-serif;
    --max-width: 1200px;
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    --shadow-sm: 0 2px 8px rgba(10, 75, 78, 0.04);
    --shadow-md: 0 10px 25px -5px rgba(10, 75, 78, 0.08);
    --shadow-lg: 0 20px 40px -10px rgba(10, 75, 78, 0.15);
}

/* ==========================================================================
   RESET & BASE STYLES
   ========================================================================== */
* {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: var(--font-body);
    background-color: #ffffff;
    color: var(--text-dark);
    line-height: 1.6;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    font-weight: 700;
    line-height: 1.25;
    color: var(--primary);
}

a {
    color: inherit;
    text-decoration: none;
    transition: var(--transition);
}

ul {
    list-style: none;
}

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

/* ==========================================================================
   REUSABLE UTILITIES & BUTTONS
   ========================================================================== */
.section-padding {
    padding: 100px 0;
}

.section-container {
    width: 90%;
    max-width: var(--max-width);
    margin: 0 auto;
}

.bg-light {
    background-color: var(--bg-light);
}

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

.section-header {
    margin-bottom: 60px;
    max-width: 750px;
    margin-left: auto;
    margin-right: auto;
}

.section-tag {
    display: inline-block;
    background-color: rgba(20, 184, 166, 0.12);
    color: var(--accent-hover);
    font-family: var(--font-heading);
    font-weight: 600;
    font-size: 0.85rem;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    padding: 6px 16px;
    border-radius: 50px;
    margin-bottom: 16px;
}

.section-header h2 {
    font-size: 2.5rem;
    margin-bottom: 20px;
    letter-spacing: -0.02em;
    color: var(--primary);
}

.section-header p {
    color: var(--text-muted);
    font-size: 1.1rem;
}

/* Buttons */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-heading);
    font-weight: 600;
    text-align: center;
    border-radius: 8px;
    cursor: pointer;
    transition: var(--transition);
    border: 2px solid transparent;
    padding: 12px 28px;
    font-size: 1rem;
}

.btn-primary {
    background-color: var(--primary);
    color: var(--text-light);
    box-shadow: 0 4px 15px rgba(10, 75, 78, 0.25);
}

.btn-primary:hover {
    background-color: var(--primary-light);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(10, 75, 78, 0.35);
}

.btn-accent {
    background-color: var(--accent);
    color: var(--text-dark);
    box-shadow: 0 4px 15px rgba(20, 184, 166, 0.3);
    font-weight: 700;
}

.btn-accent:hover {
    background-color: var(--accent-hover);
    color: #ffffff;
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(20, 184, 166, 0.4);
}

.btn-outline {
    background-color: transparent;
    border-color: var(--primary);
    color: var(--primary);
}

.btn-outline:hover {
    background-color: var(--primary);
    color: #ffffff;
    transform: translateY(-2px);
}

.btn-sm {
    padding: 8px 18px;
    font-size: 0.9rem;
    border-radius: 6px;
}

.btn-lg {
    padding: 16px 36px;
    font-size: 1.1rem;
}

.btn i {
    margin-left: 8px;
    transition: var(--transition);
}

.btn:hover i {
    transform: translateX(4px);
}

/* ==========================================================================
   TOP REGULATORY BAR & HEADER
   ========================================================================== */
.top-regulatory-bar {
    background-color: var(--primary);
    color: #ffffff;
    font-size: 0.8rem;
    padding: 8px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
    text-align: center;
    font-weight: 500;
}

.top-regulatory-bar a {
    color: var(--accent);
    text-decoration: underline;
}

.top-regulatory-bar a:hover {
    color: #ffffff;
}

.site-header {
    position: fixed;
    top: 34px; /* offset for top regulatory bar */
    left: 0;
    width: 100%;
    background-color: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(10px);
    box-shadow: var(--shadow-sm);
    z-index: 1000;
    transition: var(--transition);
}

.site-header.scrolled {
    top: 0;
    background-color: rgba(255, 255, 255, 0.98);
    box-shadow: var(--shadow-md);
}

.header-container {
    width: 90%;
    max-width: var(--max-width);
    margin: 0 auto;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 75px;
}

.logo-img {
    height: 48px;
    width: auto;
    object-fit: contain;
}

.main-nav {
    display: flex;
    align-items: center;
}

.nav-list {
    display: flex;
    align-items: center;
    gap: 30px;
}

.nav-link {
    font-family: var(--font-heading);
    font-weight: 500;
    font-size: 0.95rem;
    color: var(--primary);
    position: relative;
    padding: 8px 0;
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background-color: var(--accent);
    transition: var(--transition);
}

.nav-link:hover::after {
    width: 100%;
}

.header-cta {
    margin-left: 15px;
}

.mobile-toggle {
    display: none;
    background: none;
    border: none;
    color: var(--primary);
    font-size: 1.5rem;
    cursor: pointer;
}

/* ==========================================================================
   HERO SECTION
   ========================================================================== */
.hero {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    background-image: url('assets/hero.webp');
    background-size: cover;
    background-position: center;
    color: #ffffff;
    padding-top: 140px;
    padding-bottom: 80px;
}

.hero-overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, rgba(5, 26, 27, 0.9) 0%, rgba(10, 75, 78, 0.75) 100%);
    z-index: 1;
}

.hero-container {
    width: 90%;
    max-width: var(--max-width);
    margin: 0 auto;
    position: relative;
    z-index: 2;
}

.hero-content {
    max-width: 750px;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background-color: rgba(20, 184, 166, 0.2);
    border: 1px solid rgba(20, 184, 166, 0.4);
    color: var(--accent);
    font-family: var(--font-heading);
    font-weight: 600;
    font-size: 0.9rem;
    padding: 8px 18px;
    border-radius: 50px;
    margin-bottom: 24px;
    letter-spacing: 0.05em;
}

.hero h1 {
    font-size: 3.5rem;
    font-weight: 800;
    color: #ffffff;
    margin-bottom: 20px;
    letter-spacing: -0.02em;
    line-height: 1.15;
}

.hero-subtitle {
    font-size: 1.25rem;
    color: rgba(242, 248, 248, 0.9);
    margin-bottom: 40px;
    max-width: 650px;
    line-height: 1.6;
}

.hero-actions {
    display: flex;
    gap: 20px;
    margin-bottom: 50px;
}

.hero-stats {
    display: flex;
    gap: 50px;
    border-top: 1px solid rgba(255, 255, 255, 0.15);
    padding-top: 30px;
}

.stat-item {
    display: flex;
    flex-direction: column;
}

.stat-num {
    font-family: var(--font-heading);
    font-size: 2rem;
    font-weight: 700;
    color: var(--accent);
    line-height: 1.2;
}

.stat-label {
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.7);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-top: 4px;
}

/* ==========================================================================
   FOUNDER QUOTE SECTION
   ========================================================================== */
.founder-section {
    padding: 80px 0;
    background-color: var(--bg-light);
    position: relative;
}

.founder-card {
    background-color: #ffffff;
    border-radius: 16px;
    padding: 50px;
    box-shadow: var(--shadow-md);
    display: grid;
    grid-template-columns: 1.2fr 2fr;
    gap: 50px;
    align-items: center;
    border: 1px solid var(--border-color);
}

.founder-profile {
    text-align: center;
}

.founder-avatar {
    width: 150px;
    height: 150px;
    border-radius: 50%;
    margin: 0 auto 20px;
    object-fit: cover;
    border: 4px solid var(--border-color);
    box-shadow: var(--shadow-sm);
}

.founder-name {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 5px;
}

.founder-title {
    font-size: 0.9rem;
    color: var(--text-muted);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.founder-quote {
    position: relative;
}

.quote-icon {
    font-size: 2.5rem;
    color: rgba(20, 184, 166, 0.2);
    position: absolute;
    top: -25px;
    left: -20px;
}

.founder-quote p {
    font-size: 1.15rem;
    color: var(--text-dark);
    font-style: italic;
    line-height: 1.7;
    position: relative;
    z-index: 1;
}

/* ==========================================================================
   SERVICES SECTION
   ========================================================================== */
.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.service-card {
    background-color: var(--bg-card);
    border-radius: 12px;
    padding: 40px;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-color);
    transition: var(--transition);
    display: flex;
    flex-direction: column;
}

.service-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
    border-color: var(--accent);
}

.card-icon {
    height: 60px;
    width: 60px;
    background-color: rgba(20, 184, 166, 0.1);
    color: var(--primary-light);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    margin-bottom: 24px;
    transition: var(--transition);
}

.service-card:hover .card-icon {
    background-color: var(--accent);
    color: #ffffff;
}

.service-card h3 {
    font-size: 1.35rem;
    margin-bottom: 16px;
    color: var(--primary);
}

.service-card p {
    color: var(--text-muted);
    font-size: 0.95rem;
    margin-bottom: 20px;
    flex-grow: 1;
}

.card-bullets {
    margin-bottom: 24px;
}

.card-bullets li {
    font-size: 0.9rem;
    color: var(--text-dark);
    margin-bottom: 10px;
    display: flex;
    align-items: center;
    gap: 10px;
}

.card-bullets li::before {
    content: '\f00c';
    font-family: 'Font Awesome 6 Free';
    font-weight: 900;
    color: var(--accent);
    font-size: 0.8rem;
}

/* ==========================================================================
   ESTIMATOR / CALCULATOR SECTION
   ========================================================================== */
.calculator-section {
    position: relative;
    background-color: #ffffff;
}

.calculator-grid {
    display: grid;
    grid-template-columns: 1.1fr 1.2fr;
    gap: 60px;
    align-items: center;
}

.calculator-intro .info-box {
    margin-top: 30px;
    display: flex;
    gap: 20px;
    background-color: var(--bg-light);
    padding: 24px;
    border-radius: 12px;
    border-left: 4px solid var(--accent);
}

.info-icon {
    font-size: 1.5rem;
    color: var(--primary);
}

.info-text h4 {
    font-size: 1.05rem;
    margin-bottom: 6px;
}

.info-text p {
    font-size: 0.9rem;
    color: var(--text-muted);
}

.calculator-card {
    background-color: var(--bg-card);
    border-radius: 16px;
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--border-color);
    overflow: hidden;
}

.tabs-header {
    display: flex;
    background-color: var(--bg-light);
    border-bottom: 1px solid var(--border-color);
}

.tab-btn {
    flex: 1;
    background: none;
    border: none;
    padding: 18px;
    font-family: var(--font-heading);
    font-weight: 600;
    font-size: 1rem;
    color: var(--text-muted);
    cursor: pointer;
    transition: var(--transition);
    border-bottom: 3px solid transparent;
}

.tab-btn:hover {
    color: var(--primary);
}

.tab-btn.active {
    color: var(--primary);
    border-bottom-color: var(--accent);
    background-color: #ffffff;
}

.tab-content {
    padding: 40px;
}

.tab-content.hidden {
    display: none;
}

.calc-form {
    display: flex;
    flex-direction: column;
    gap: 20px;
    margin-bottom: 30px;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.form-group-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.form-group label {
    font-family: var(--font-heading);
    font-weight: 600;
    font-size: 0.9rem;
    color: var(--primary);
}

.form-group select,
.form-group input[type="number"] {
    width: 100%;
    padding: 12px 16px;
    border-radius: 8px;
    border: 1px solid var(--border-color);
    font-family: var(--font-body);
    font-size: 0.95rem;
    color: var(--text-dark);
    outline: none;
    transition: var(--transition);
}

.form-group select:focus,
.form-group input[type="number"]:focus {
    border-color: var(--accent);
    box-shadow: 0 0 0 3px rgba(20, 184, 166, 0.15);
}

.calc-results {
    background-color: var(--bg-light);
    border-radius: 12px;
    padding: 24px;
    border: 1px solid var(--border-color);
}

.result-box {
    text-align: center;
    border-bottom: 1px solid var(--border-color);
    padding-bottom: 20px;
    margin-bottom: 20px;
}

.result-label {
    font-size: 0.85rem;
    color: var(--text-muted);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    font-weight: 600;
}

.result-box h3 {
    font-size: 2.2rem;
    color: var(--primary);
    margin-top: 8px;
}

.result-breakdown {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.result-breakdown > div {
    display: flex;
    justify-content: space-between;
    font-size: 0.9rem;
}

.result-breakdown span {
    color: var(--text-muted);
}

.result-breakdown strong {
    color: var(--primary);
    font-weight: 600;
}

/* Badge System for Estimator */
.badge {
    display: inline-block;
    padding: 4px 10px;
    font-size: 0.75rem;
    font-weight: 700;
    border-radius: 4px;
    text-transform: uppercase;
}

.badge-success {
    background-color: rgba(16, 185, 129, 0.12);
    color: var(--success);
}

.badge-warning {
    background-color: rgba(245, 158, 11, 0.12);
    color: var(--warning);
}

.badge-danger {
    background-color: rgba(244, 63, 94, 0.12);
    color: var(--danger);
}

/* ==========================================================================
   CLIENT TESTIMONIALS SECTION
   ========================================================================== */
.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.testimonial-card {
    background-color: #ffffff;
    border-radius: 12px;
    padding: 40px;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border-color);
    position: relative;
    display: flex;
    flex-direction: column;
}

.testimonial-quote {
    font-size: 0.95rem;
    color: var(--text-dark);
    font-style: italic;
    line-height: 1.6;
    margin-bottom: 24px;
    flex-grow: 1;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 15px;
    border-top: 1px solid var(--border-color);
    padding-top: 20px;
}

.author-info h6 {
    font-size: 1rem;
    color: var(--primary);
    margin-bottom: 2px;
}

.author-info span {
    font-size: 0.8rem;
    color: var(--text-muted);
}

/* ==========================================================================
   INSURERS LOGO & INFO SECTION
   ========================================================================== */
.insurers-section {
    background-color: #ffffff;
}

.insurers-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
    margin-top: 40px;
}

.insurer-card {
    background-color: var(--bg-light);
    border-radius: 10px;
    padding: 30px;
    border: 1px solid var(--border-color);
    text-align: center;
    transition: var(--transition);
}

.insurer-card:hover {
    background-color: #ffffff;
    border-color: var(--accent);
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
}

.insurer-icon-name {
    font-size: 1.8rem;
    color: var(--primary);
    font-weight: 800;
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
}

.insurer-icon-name i {
    color: var(--accent);
    font-size: 1.4rem;
}

.insurer-card h4 {
    font-size: 1.15rem;
    margin-bottom: 8px;
    color: var(--primary);
}

.insurer-card p {
    font-size: 0.85rem;
    color: var(--text-muted);
}

/* ==========================================================================
   WHY CHOOSE US & VALUE PROPOSITION
   ========================================================================== */
.why-choose-us {
    background-color: var(--bg-light);
}

.why-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 40px;
}

.why-item {
    background-color: #ffffff;
    border-radius: 12px;
    padding: 35px;
    border: 1px solid var(--border-color);
    box-shadow: var(--shadow-sm);
    display: flex;
    gap: 20px;
}

.why-icon {
    font-size: 1.8rem;
    color: var(--accent);
    flex-shrink: 0;
    margin-top: 4px;
}

.why-content h4 {
    font-size: 1.2rem;
    margin-bottom: 10px;
}

.why-content p {
    font-size: 0.95rem;
    color: var(--text-muted);
}

/* ==========================================================================
   FAQ ACCORDION SECTION
   ========================================================================== */
.faq-section {
    background-color: var(--bg-light);
}

.faq-list {
    max-width: 850px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.faq-item {
    background-color: #ffffff;
    border-radius: 10px;
    border: 1px solid var(--border-color);
    overflow: hidden;
    transition: var(--transition);
}

.faq-question {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 24px 30px;
    cursor: pointer;
    font-family: var(--font-heading);
    font-weight: 600;
    font-size: 1.1rem;
    color: var(--primary);
    transition: var(--transition);
}

.faq-question:hover {
    background-color: rgba(20, 184, 166, 0.05);
}

.faq-toggle-icon {
    font-size: 0.9rem;
    color: var(--primary);
    transition: var(--transition);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s cubic-bezier(0, 1, 0, 1);
    padding: 0 30px;
    font-size: 0.95rem;
    color: var(--text-muted);
    border-top: 1px solid transparent;
}

.faq-item.active {
    border-color: var(--accent);
    box-shadow: var(--shadow-md);
}

.faq-item.active .faq-toggle-icon {
    transform: rotate(180deg);
    color: var(--accent);
}

.faq-item.active .faq-answer {
    max-height: 1000px;
    padding: 20px 30px 30px;
    border-top-color: var(--border-color);
    transition: max-height 0.5s cubic-bezier(1, 0, 1, 0);
}

/* ==========================================================================
   CONTACT SECTION
   ========================================================================== */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1.3fr;
    gap: 60px;
}

.contact-info {
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.contact-info h2 {
    font-size: 2.2rem;
    margin-bottom: 20px;
}

.contact-info p {
    color: var(--text-muted);
    font-size: 1.05rem;
    margin-bottom: 40px;
}

.contact-details {
    display: flex;
    flex-direction: column;
    gap: 30px;
}

.contact-detail-item {
    display: flex;
    gap: 20px;
    align-items: center;
}

.detail-icon {
    height: 50px;
    width: 50px;
    border-radius: 50%;
    background-color: rgba(20, 184, 166, 0.1);
    color: var(--primary);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
}

.detail-text h5 {
    font-size: 0.95rem;
    color: var(--text-muted);
    margin-bottom: 2px;
}

.detail-text p {
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--primary);
    margin-bottom: 0;
}

/* Intake Form Card */
.contact-card {
    background-color: #ffffff;
    border-radius: 16px;
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--border-color);
    padding: 45px;
}

.contact-card h3 {
    font-size: 1.5rem;
    margin-bottom: 24px;
}

.contact-form {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.contact-form input[type="text"],
.contact-form input[type="email"],
.contact-form select,
.contact-form textarea {
    width: 100%;
    padding: 14px 18px;
    border-radius: 8px;
    border: 1px solid var(--border-color);
    font-family: var(--font-body);
    font-size: 0.95rem;
    color: var(--text-dark);
    outline: none;
    transition: var(--transition);
}

.contact-form input[type="text"]:focus,
.contact-form input[type="email"]:focus,
.contact-form select:focus,
.contact-form textarea:focus {
    border-color: var(--accent);
    box-shadow: 0 0 0 3px rgba(20, 184, 166, 0.15);
}

.form-checkbox {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 0.85rem;
    color: var(--text-muted);
}

.form-checkbox input {
    margin-top: 4px;
}

.form-checkbox a {
    color: var(--primary);
    text-decoration: underline;
}

/* Form Feedback Messages */
.form-feedback {
    padding: 16px;
    border-radius: 8px;
    font-size: 0.9rem;
    margin-top: 15px;
}

.form-feedback.success {
    background-color: rgba(16, 185, 129, 0.15);
    color: var(--success);
    border: 1px solid rgba(16, 185, 129, 0.3);
}

.form-feedback.error {
    background-color: rgba(244, 63, 94, 0.15);
    color: var(--danger);
    border: 1px solid rgba(244, 63, 94, 0.3);
}

.hidden {
    display: none !important;
}

/* ==========================================================================
   FOOTER SECTION
   ========================================================================== */
.site-footer {
    background-color: var(--bg-dark);
    color: rgba(255, 255, 255, 0.7);
    padding: 80px 0 30px;
    border-top: 1px solid rgba(255, 255, 255, 0.05);
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1.2fr;
    gap: 50px;
    margin-bottom: 60px;
}

.footer-brand .logo-img {
    filter: brightness(0) invert(1);
    margin-bottom: 20px;
}

.footer-brand p {
    font-size: 0.9rem;
    line-height: 1.7;
    margin-bottom: 24px;
}

.footer-socials {
    display: flex;
    gap: 15px;
}

.social-link {
    height: 40px;
    width: 40px;
    border-radius: 50%;
    background-color: rgba(255, 255, 255, 0.08);
    color: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
}

.social-link:hover {
    background-color: var(--accent);
    color: var(--text-dark);
    transform: translateY(-3px);
}

.footer-links h4,
.footer-contact h4 {
    color: #ffffff;
    font-size: 1.1rem;
    margin-bottom: 24px;
    position: relative;
    padding-bottom: 8px;
}

.footer-links h4::after,
.footer-contact h4::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 30px;
    height: 2px;
    background-color: var(--accent);
}

.footer-nav {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.footer-nav a {
    font-size: 0.9rem;
}

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

.footer-contact-details {
    display: flex;
    flex-direction: column;
    gap: 16px;
    font-size: 0.9rem;
}

.footer-contact-details i {
    color: var(--accent);
    margin-right: 10px;
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    padding-top: 30px;
    font-size: 0.8rem;
    line-height: 1.6;
}

.footer-disclaimer {
    margin-top: 15px;
    color: rgba(255, 255, 255, 0.45);
}

.footer-disclaimer a {
    color: var(--accent);
    text-decoration: underline;
}

.footer-disclaimer a:hover {
    color: #ffffff;
}

/* ==========================================================================
   MEDIA QUERIES - RESPONSIVENESS
   ========================================================================== */
@media (max-width: 1024px) {
    .hero h1 {
        font-size: 2.8rem;
    }
    .founder-card {
        grid-template-columns: 1fr;
        gap: 30px;
        padding: 40px;
    }
    .services-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .calculator-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    .testimonials-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .insurers-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .why-grid {
        grid-template-columns: 1fr;
    }
    .contact-grid {
        grid-template-columns: 1fr;
        gap: 50px;
    }
}

@media (max-width: 768px) {
    .site-header {
        top: 0;
    }
    .header-container {
        height: 65px;
    }
    .top-regulatory-bar {
        font-size: 0.75rem;
    }
    .mobile-toggle {
        display: block;
    }
    .main-nav {
        position: fixed;
        top: 65px;
        left: -100%;
        width: 100%;
        height: calc(100vh - 65px);
        background-color: #ffffff;
        flex-direction: column;
        justify-content: flex-start;
        padding: 40px 20px;
        transition: var(--transition);
        box-shadow: var(--shadow-lg);
    }
    .main-nav.open {
        left: 0;
    }
    .nav-list {
        flex-direction: column;
        width: 100%;
        gap: 24px;
        align-items: stretch;
    }
    .nav-link {
        font-size: 1.1rem;
        display: block;
        text-align: center;
        border-bottom: 1px solid var(--border-color);
        padding-bottom: 12px;
    }
    .header-cta {
        margin-left: 0;
        margin-top: 10px;
    }
    .hero {
        padding-top: 100px;
    }
    .hero h1 {
        font-size: 2.2rem;
    }
    .hero-actions {
        flex-direction: column;
        gap: 15px;
    }
    .hero-stats {
        flex-direction: column;
        gap: 20px;
    }
    .services-grid {
        grid-template-columns: 1fr;
    }
    .testimonials-grid {
        grid-template-columns: 1fr;
    }
    .insurers-grid {
        grid-template-columns: 1fr;
    }
    .tab-content {
        padding: 24px;
    }
    .form-group-row {
        grid-template-columns: 1fr;
        gap: 15px;
    }
    .contact-card {
        padding: 30px;
    }
    .footer-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
}

/* ==========================================================================
   FLOATING WHATSAPP WIDGET
   ========================================================================== */
.whatsapp-float {
    position: fixed;
    width: 60px;
    height: 60px;
    bottom: 40px;
    right: 40px;
    background-color: #25d366;
    color: #ffffff;
    border-radius: 50px;
    text-align: center;
    font-size: 32px;
    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.25);
    z-index: 999;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all 0.3s ease;
}

.whatsapp-float:hover {
    background-color: #128c7e;
    transform: translateY(-5px);
    box-shadow: 0 6px 20px rgba(0, 0, 0, 0.35);
    color: #ffffff;
}

@media (max-width: 768px) {
    .whatsapp-float {
        width: 50px;
        height: 50px;
        bottom: 20px;
        right: 20px;
        font-size: 26px;
    }
}