/* ===========================
   PANORAMA SİGORTA - STYLE
   =========================== */

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

:root {
  --primary: #1a6b8a;
  --primary-dark: #0d4a63;
  --primary-light: #2d89ac;
  --accent: #4db8d4;
  --accent-light: #7ecef4;
  --white: #ffffff;
  --gray-50: #f8fafc;
  --gray-100: #f1f5f9;
  --gray-200: #e2e8f0;
  --gray-300: #cbd5e1;
  --gray-500: #64748b;
  --gray-700: #334155;
  --gray-900: #0f172a;
  --green: #25d366;
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
  --shadow: 0 4px 20px rgba(0,0,0,0.10);
  --shadow-lg: 0 10px 40px rgba(0,0,0,0.15);
  --shadow-xl: 0 20px 60px rgba(0,0,0,0.18);
  --radius: 16px;
  --radius-sm: 10px;
  --radius-lg: 24px;
  --transition: all 0.3s cubic-bezier(0.4,0,0.2,1);
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--gray-700);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}

.container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 20px;
}

/* ===========================
   TOPBAR
   =========================== */
.topbar {
  background: var(--primary-dark);
  color: rgba(255,255,255,0.85);
  font-size: 13px;
  padding: 8px 0;
  position: relative;
  z-index: 100;
}

.topbar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.topbar-left {
  display: flex;
  gap: 20px;
  align-items: center;
  flex-wrap: wrap;
}

.topbar-left span {
  display: flex;
  align-items: center;
  gap: 6px;
}

.topbar-right {
  display: flex;
  align-items: center;
}

.whatsapp-link {
  display: flex;
  align-items: center;
  gap: 6px;
  color: #25d366;
  text-decoration: none;
  font-weight: 600;
  transition: var(--transition);
  font-size: 13px;
}

.whatsapp-link:hover {
  color: #1db954;
}

/* ===========================
   HEADER
   =========================== */
.header {
  position: sticky;
  top: 0;
  z-index: 999;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(26,107,138,0.12);
  transition: var(--transition);
}

.header.scrolled {
  box-shadow: 0 4px 30px rgba(26,107,138,0.15);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  height: 72px;
}

/* LOGO */
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  flex-shrink: 0;
}

.logo-icon {
  display: flex;
  align-items: center;
}

.logo-pillar {
  display: flex;
  gap: 3px;
  align-items: flex-end;
  height: 38px;
}

.pillar-main {
  width: 6px;
  height: 38px;
  background: var(--primary);
  border-radius: 3px;
}

.pillar-accent {
  width: 4px;
  height: 28px;
  background: var(--accent-light);
  border-radius: 2px;
  opacity: 0.7;
}

.logo-icon-white .pillar-main { background: #fff; }
.logo-icon-white .pillar-accent { background: var(--accent-light); }

.logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1;
}

.logo-name {
  font-size: 22px;
  font-weight: 800;
  letter-spacing: -0.5px;
  line-height: 1;
}

.logo-pan { color: var(--primary-dark); }
.logo-orama { color: var(--primary); }

.logo-subtitle-row {
  display: flex;
  align-items: center;
  gap: 6px;
  margin-top: 1px;
}

.logo-sub {
  font-size: 9px;
  font-weight: 700;
  letter-spacing: 2.5px;
  color: var(--gray-500);
  text-transform: uppercase;
}

.logo-line {
  flex: 1;
  height: 1.5px;
  background: var(--primary);
  min-width: 30px;
}

.logo-slogan {
  font-family: 'Dancing Script', cursive;
  font-size: 13px;
  color: var(--primary);
  margin-top: 2px;
  font-weight: 600;
}

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

.nav-link {
  text-decoration: none;
  color: var(--gray-700);
  font-weight: 500;
  font-size: 15px;
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  position: relative;
}

.nav-link:hover {
  color: var(--primary);
  background: rgba(26,107,138,0.06);
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: 4px;
  left: 50%;
  transform: translateX(-50%);
  width: 0;
  height: 2px;
  background: var(--primary);
  border-radius: 2px;
  transition: width 0.3s ease;
}

.nav-link:hover::after { width: 60%; }

.header-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

.btn-whatsapp {
  display: flex;
  align-items: center;
  gap: 8px;
  background: #25d366;
  color: white;
  text-decoration: none;
  padding: 10px 20px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 14px;
  transition: var(--transition);
  box-shadow: 0 4px 15px rgba(37,211,102,0.3);
}

.btn-whatsapp:hover {
  background: #1db954;
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(37,211,102,0.4);
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
  background: none;
  border: none;
  cursor: pointer;
  border-radius: 8px;
  transition: var(--transition);
}

.hamburger:hover { background: var(--gray-100); }

.hamburger span {
  display: block;
  width: 24px;
  height: 2.5px;
  background: var(--gray-700);
  border-radius: 2px;
  transition: var(--transition);
}

/* ===========================
   HERO
   =========================== */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding: 60px 0 80px;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 50%, #2d89ac 100%);
  z-index: 0;
}

.hero-shape {
  position: absolute;
  border-radius: 50%;
  opacity: 0.08;
}

.hero-shape-1 {
  width: 600px;
  height: 600px;
  background: white;
  top: -200px;
  right: -100px;
  animation: float1 8s ease-in-out infinite;
}

.hero-shape-2 {
  width: 400px;
  height: 400px;
  background: var(--accent-light);
  bottom: -150px;
  left: -100px;
  animation: float2 10s ease-in-out infinite;
}

.hero-shape-3 {
  width: 200px;
  height: 200px;
  background: white;
  top: 30%;
  left: 30%;
  animation: float1 6s ease-in-out infinite reverse;
}

@keyframes float1 {
  0%, 100% { transform: translateY(0) rotate(0deg); }
  50% { transform: translateY(-30px) rotate(10deg); }
}

@keyframes float2 {
  0%, 100% { transform: translateY(0) rotate(0deg); }
  50% { transform: translateY(20px) rotate(-10deg); }
}

.hero .container {
  position: relative;
  z-index: 1;
}

.hero-content {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.15);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.25);
  color: white;
  padding: 8px 18px;
  border-radius: 50px;
  font-size: 13px;
  font-weight: 500;
  margin-bottom: 20px;
}

.badge-dot {
  width: 8px;
  height: 8px;
  background: #4ade80;
  border-radius: 50%;
  animation: pulse 2s ease-in-out infinite;
}

@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.6; transform: scale(1.3); }
}

.hero-title {
  font-size: clamp(32px, 4vw, 52px);
  font-weight: 900;
  color: white;
  line-height: 1.15;
  letter-spacing: -1.5px;
  margin-bottom: 20px;
}

.hero-highlight {
  background: linear-gradient(90deg, #7ecef4, #b8e6f5);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-desc {
  color: rgba(255,255,255,0.8);
  font-size: 17px;
  line-height: 1.7;
  margin-bottom: 32px;
  max-width: 500px;
}

.hero-actions {
  display: flex;
  gap: 14px;
  align-items: center;
  flex-wrap: wrap;
  margin-bottom: 40px;
}

.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: white;
  color: var(--primary-dark);
  text-decoration: none;
  padding: 14px 28px;
  border-radius: 50px;
  font-weight: 700;
  font-size: 15px;
  transition: var(--transition);
  box-shadow: 0 8px 25px rgba(0,0,0,0.2);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 35px rgba(0,0,0,0.25);
  background: #f0f9ff;
}

.btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: transparent;
  color: white;
  text-decoration: none;
  padding: 14px 28px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 15px;
  border: 2px solid rgba(255,255,255,0.5);
  transition: var(--transition);
}

.btn-outline:hover {
  background: rgba(255,255,255,0.15);
  border-color: white;
  transform: translateY(-2px);
}

.hero-stats {
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}

.hero-stat {
  display: flex;
  flex-direction: column;
  color: white;
}

.hero-stat > span:first-child,
.stat-num {
  font-size: 28px;
  font-weight: 900;
  line-height: 1;
  display: inline;
}

.stat-num + span {
  font-size: 22px;
  font-weight: 900;
}

.stat-label {
  font-size: 12px;
  color: rgba(255,255,255,0.7);
  font-weight: 400;
  margin-top: 3px;
}

.stat-divider {
  width: 1px;
  height: 36px;
  background: rgba(255,255,255,0.25);
}

/* QUOTE CARD */
.quote-card {
  background: white;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  overflow: hidden;
  animation: slideIn 0.8s ease-out;
}

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

.quote-tabs {
  display: flex;
  background: var(--gray-50);
  border-bottom: 1px solid var(--gray-200);
  overflow-x: auto;
  scrollbar-width: none;
}

.quote-tabs::-webkit-scrollbar { display: none; }

.quote-tab {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 14px 16px;
  font-size: 13px;
  font-weight: 600;
  color: var(--gray-500);
  background: transparent;
  border: none;
  border-bottom: 3px solid transparent;
  cursor: pointer;
  transition: var(--transition);
  white-space: nowrap;
  flex-shrink: 0;
}

.quote-tab:hover {
  color: var(--primary);
  background: rgba(26,107,138,0.04);
}

.quote-tab.active {
  color: var(--primary);
  border-bottom-color: var(--primary);
  background: white;
}

.tab-icon { font-size: 16px; }

.quote-body {
  padding: 28px;
}

.tab-content {
  display: none;
}

.tab-content.active {
  display: block;
  animation: fadeIn 0.3s ease;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

.tab-content h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 18px;
}

.form-group {
  margin-bottom: 14px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.form-group label {
  display: block;
  font-size: 12px;
  font-weight: 600;
  color: var(--gray-500);
  margin-bottom: 6px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.form-input {
  width: 100%;
  padding: 12px 14px;
  border: 2px solid var(--gray-200);
  border-radius: var(--radius-sm);
  font-size: 14px;
  font-family: 'Inter', sans-serif;
  color: var(--gray-900);
  background: var(--gray-50);
  transition: var(--transition);
  outline: none;
  appearance: none;
}

.form-input:focus {
  border-color: var(--primary);
  background: white;
  box-shadow: 0 0 0 3px rgba(26,107,138,0.1);
}

.form-select { cursor: pointer; }

.form-textarea {
  resize: vertical;
  min-height: 100px;
}

.btn-quote {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  color: white;
  border: none;
  padding: 15px;
  border-radius: var(--radius-sm);
  font-size: 15px;
  font-weight: 700;
  cursor: pointer;
  transition: var(--transition);
  font-family: 'Inter', sans-serif;
  margin-top: 6px;
}

.btn-quote:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(26,107,138,0.35);
  background: linear-gradient(135deg, var(--primary-light) 0%, var(--primary) 100%);
}

/* SCROLL INDICATOR */
.scroll-indicator {
  position: absolute;
  bottom: 30px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 2;
}

.scroll-mouse {
  width: 26px;
  height: 42px;
  border: 2px solid rgba(255,255,255,0.5);
  border-radius: 13px;
  display: flex;
  justify-content: center;
  padding-top: 8px;
}

.scroll-wheel {
  width: 4px;
  height: 8px;
  background: rgba(255,255,255,0.7);
  border-radius: 2px;
  animation: scroll 2s ease-in-out infinite;
}

@keyframes scroll {
  0% { transform: translateY(0); opacity: 1; }
  100% { transform: translateY(12px); opacity: 0; }
}

/* ===========================
   SECTION COMMONS
   =========================== */
section { padding: 90px 0; }

.section-header {
  text-align: center;
  margin-bottom: 60px;
}

.section-badge {
  display: inline-block;
  background: rgba(26,107,138,0.1);
  color: var(--primary);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 50px;
  margin-bottom: 14px;
}

.section-badge.light {
  background: rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.9);
}

.section-title {
  font-size: clamp(26px, 3vw, 40px);
  font-weight: 800;
  color: var(--gray-900);
  letter-spacing: -1px;
  line-height: 1.2;
  margin-bottom: 14px;
}

.section-title.light { color: white; }

.section-desc {
  font-size: 17px;
  color: var(--gray-500);
  max-width: 560px;
  margin: 0 auto;
  line-height: 1.7;
}

.section-desc.light { color: rgba(255,255,255,0.75); max-width: 480px; margin: 0; }

/* ===========================
   INSURANCE TYPES
   =========================== */
.insurance-types {
  background: var(--gray-50);
}

.insurance-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 24px;
}

.insurance-card {
  background: white;
  border-radius: var(--radius);
  padding: 30px 26px;
  border: 1px solid var(--gray-200);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
  cursor: default;
}

.insurance-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--card-color, var(--primary));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s ease;
}

.insurance-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}

.insurance-card:hover::before { transform: scaleX(1); }

.insurance-card-icon {
  width: 64px;
  height: 64px;
  border-radius: 16px;
  background: color-mix(in srgb, var(--card-color, var(--primary)) 12%, transparent);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
  color: var(--card-color, var(--primary));
  transition: var(--transition);
}

.insurance-card:hover .insurance-card-icon {
  background: var(--card-color, var(--primary));
  color: white;
  transform: scale(1.1);
}

.insurance-card h3 {
  font-size: 17px;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 10px;
}

.insurance-card p {
  font-size: 14px;
  color: var(--gray-500);
  line-height: 1.65;
  margin-bottom: 16px;
}

.card-features {
  display: flex;
  flex-direction: column;
  gap: 5px;
  margin-bottom: 20px;
}

.card-features span {
  font-size: 12.5px;
  color: var(--gray-500);
}

.card-cta {
  display: inline-flex;
  align-items: center;
  color: var(--primary);
  text-decoration: none;
  font-size: 14px;
  font-weight: 600;
  transition: var(--transition);
}

.card-cta:hover {
  gap: 6px;
  color: var(--primary-dark);
}

/* ===========================
   WHY US
   =========================== */
.why-us {
  position: relative;
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 60%, var(--primary-light) 100%);
  overflow: hidden;
}

.why-bg {
  position: absolute;
  inset: 0;
  overflow: hidden;
}

.why-shape {
  position: absolute;
  width: 800px;
  height: 800px;
  background: rgba(255,255,255,0.04);
  border-radius: 50%;
  top: -400px;
  right: -200px;
}

.why-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.why-features {
  display: flex;
  flex-direction: column;
  gap: 24px;
  margin-top: 30px;
}

.why-feature {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.why-feature-icon {
  width: 46px;
  height: 46px;
  background: rgba(255,255,255,0.15);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  flex-shrink: 0;
  transition: var(--transition);
}

.why-feature:hover .why-feature-icon {
  background: rgba(255,255,255,0.25);
  transform: scale(1.1);
}

.why-feature h4 {
  font-size: 15px;
  font-weight: 700;
  color: white;
  margin-bottom: 4px;
}

.why-feature p {
  font-size: 13.5px;
  color: rgba(255,255,255,0.7);
  line-height: 1.6;
}

/* STATS GRID */
.stats-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.stat-card {
  background: rgba(255,255,255,0.12);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--radius);
  padding: 28px 20px;
  text-align: center;
  transition: var(--transition);
}

.stat-card:hover {
  background: rgba(255,255,255,0.2);
  transform: translateY(-4px);
}

.stat-icon { font-size: 28px; margin-bottom: 10px; }

.stat-value {
  font-size: 36px;
  font-weight: 900;
  color: white;
  line-height: 1;
  display: inline;
}

.stat-plus {
  font-size: 24px;
  font-weight: 800;
  color: var(--accent-light);
  display: inline;
}

.stat-name {
  font-size: 13px;
  color: rgba(255,255,255,0.75);
  margin-top: 6px;
  font-weight: 500;
}

/* ===========================
   COMPANIES
   =========================== */
.companies { background: white; }

.companies-track-wrapper {
  overflow: hidden;
  mask-image: linear-gradient(90deg, transparent, black 10%, black 90%, transparent);
  -webkit-mask-image: linear-gradient(90deg, transparent, black 10%, black 90%, transparent);
}

.companies-track {
  display: flex;
  gap: 24px;
  animation: marquee 25s linear infinite;
}

.companies-track:hover { animation-play-state: paused; }

@keyframes marquee {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

.company-logo-item {
  flex-shrink: 0;
  background: var(--gray-50);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  padding: 16px 32px;
  font-size: 14px;
  font-weight: 700;
  color: var(--gray-500);
  white-space: nowrap;
  transition: var(--transition);
}

.company-logo-item:hover {
  background: white;
  color: var(--primary);
  border-color: var(--primary);
  box-shadow: var(--shadow);
}

/* ===========================
   TESTIMONIALS
   =========================== */
.testimonials {
  background: var(--gray-50);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.testimonial-card {
  background: white;
  border-radius: var(--radius);
  padding: 28px;
  border: 1px solid var(--gray-200);
  transition: var(--transition);
}

.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}

.testimonial-stars {
  color: #f59e0b;
  font-size: 18px;
  margin-bottom: 14px;
  letter-spacing: 2px;
}

.testimonial-card p {
  font-size: 14.5px;
  color: var(--gray-500);
  line-height: 1.7;
  font-style: italic;
  margin-bottom: 20px;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.author-avatar {
  width: 42px;
  height: 42px;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-size: 12px;
  font-weight: 800;
}

.testimonial-author strong {
  display: block;
  font-size: 14px;
  color: var(--gray-900);
}

.testimonial-author span {
  font-size: 12px;
  color: var(--gray-500);
}

/* ===========================
   FAQ
   =========================== */
.faq { background: white; }

.faq-list {
  max-width: 800px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-sm);
  overflow: hidden;
  transition: var(--transition);
}

.faq-item.open {
  border-color: var(--primary);
  box-shadow: 0 4px 20px rgba(26,107,138,0.1);
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 20px;
  background: transparent;
  border: none;
  text-align: left;
  font-size: 15px;
  font-weight: 600;
  color: var(--gray-900);
  cursor: pointer;
  transition: var(--transition);
  font-family: 'Inter', sans-serif;
}

.faq-question:hover { background: var(--gray-50); color: var(--primary); }
.faq-item.open .faq-question { color: var(--primary); }

.faq-icon {
  flex-shrink: 0;
  transition: transform 0.3s ease;
  color: var(--primary);
}

.faq-item.open .faq-icon { transform: rotate(180deg); }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease;
}

.faq-item.open .faq-answer { max-height: 200px; }

.faq-answer p {
  padding: 0 20px 18px;
  font-size: 14.5px;
  color: var(--gray-500);
  line-height: 1.7;
}

/* ===========================
   CTA BANNER
   =========================== */
.cta-banner {
  position: relative;
  padding: 70px 0;
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
  overflow: hidden;
}

.cta-bg { position: absolute; inset: 0; }

.cta-shape-1 {
  position: absolute;
  width: 400px;
  height: 400px;
  background: rgba(255,255,255,0.06);
  border-radius: 50%;
  top: -200px;
  left: -100px;
}

.cta-shape-2 {
  position: absolute;
  width: 300px;
  height: 300px;
  background: rgba(255,255,255,0.06);
  border-radius: 50%;
  bottom: -150px;
  right: 10%;
}

.cta-inner {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  flex-wrap: wrap;
}

.cta-text h2 {
  font-size: 30px;
  font-weight: 800;
  color: white;
  letter-spacing: -0.5px;
  margin-bottom: 8px;
}

.cta-text p {
  color: rgba(255,255,255,0.75);
  font-size: 16px;
}

.cta-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.cta-btn-phone {
  display: flex;
  align-items: center;
  gap: 10px;
  background: white;
  color: var(--primary-dark);
  text-decoration: none;
  padding: 14px 28px;
  border-radius: 50px;
  font-weight: 700;
  font-size: 15px;
  transition: var(--transition);
  box-shadow: 0 6px 20px rgba(0,0,0,0.15);
}

.cta-btn-phone:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 30px rgba(0,0,0,0.2);
}

.cta-btn-wa {
  display: flex;
  align-items: center;
  gap: 10px;
  background: #25d366;
  color: white;
  text-decoration: none;
  padding: 14px 28px;
  border-radius: 50px;
  font-weight: 700;
  font-size: 15px;
  transition: var(--transition);
  box-shadow: 0 6px 20px rgba(37,211,102,0.3);
}

.cta-btn-wa:hover {
  background: #1db954;
  transform: translateY(-2px);
  box-shadow: 0 10px 30px rgba(37,211,102,0.4);
}

/* ===========================
   CONTACT
   =========================== */
.contact { background: var(--gray-50); }

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 60px;
  align-items: start;
}

.contact-info {
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.contact-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.contact-icon {
  width: 50px;
  height: 50px;
  background: var(--primary);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  flex-shrink: 0;
}

.contact-icon.whatsapp { background: #25d366; }
.contact-icon.email { background: var(--primary-light); }

.contact-detail { display: flex; flex-direction: column; }

.contact-label {
  font-size: 11px;
  font-weight: 700;
  color: var(--gray-500);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 4px;
}

.contact-detail a {
  text-decoration: none;
  color: var(--gray-900);
  font-size: 15px;
  font-weight: 600;
  transition: var(--transition);
  line-height: 1.5;
}

.contact-detail a:hover { color: var(--primary); }

.contact-form-wrapper {
  background: white;
  border-radius: var(--radius);
  padding: 36px;
  box-shadow: var(--shadow);
  border: 1px solid var(--gray-200);
}

.contact-form h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 24px;
}

/* ===========================
   FOOTER
   =========================== */
.footer-top {
  background: var(--primary-dark);
  padding: 70px 0 40px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 50px;
}

.footer-brand-desc {
  color: rgba(255,255,255,0.6);
  font-size: 13.5px;
  line-height: 1.7;
  margin-top: 16px;
  margin-bottom: 20px;
}

.footer-social {
  display: flex;
  gap: 10px;
}

.social-link {
  width: 38px;
  height: 38px;
  background: rgba(255,255,255,0.1);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.7);
  text-decoration: none;
  transition: var(--transition);
}

.social-link:hover {
  background: var(--primary);
  color: white;
  transform: translateY(-2px);
}

.footer-heading {
  font-size: 13px;
  font-weight: 700;
  color: white;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 18px;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-links a {
  text-decoration: none;
  color: rgba(255,255,255,0.6);
  font-size: 14px;
  transition: var(--transition);
}

.footer-links a:hover {
  color: var(--accent-light);
  padding-left: 4px;
}

.footer-contact-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.footer-contact-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,0.6);
}

.footer-contact-list svg { flex-shrink: 0; opacity: 0.7; }

.footer-contact-list a {
  text-decoration: none;
  color: rgba(255,255,255,0.75);
  font-size: 13.5px;
  transition: var(--transition);
}

.footer-contact-list a:hover { color: var(--accent-light); }

.footer-logo { text-decoration: none; display: flex; align-items: center; gap: 10px; }

.footer-bottom {
  background: var(--gray-900);
  padding: 18px 0;
}

.footer-bottom .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}

.footer-bottom p {
  color: rgba(255,255,255,0.5);
  font-size: 13px;
}

.footer-bottom-links {
  display: flex;
  gap: 20px;
}

.footer-bottom-links a {
  color: rgba(255,255,255,0.5);
  text-decoration: none;
  font-size: 13px;
  transition: var(--transition);
}

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

/* ===========================
   WHATSAPP FLOAT
   =========================== */
.wa-float {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 1000;
  width: 60px;
  height: 60px;
  background: #25d366;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  text-decoration: none;
  box-shadow: 0 6px 25px rgba(37,211,102,0.5);
  transition: var(--transition);
  animation: bounce 3s ease-in-out 2s infinite;
}

.wa-float:hover {
  transform: scale(1.12);
  box-shadow: 0 10px 35px rgba(37,211,102,0.6);
  animation: none;
}

@keyframes bounce {
  0%, 80%, 100% { transform: translateY(0); }
  40% { transform: translateY(-10px); }
}

.wa-tooltip {
  position: absolute;
  right: 72px;
  background: var(--gray-900);
  color: white;
  font-size: 13px;
  font-weight: 600;
  padding: 8px 14px;
  border-radius: 8px;
  white-space: nowrap;
  opacity: 0;
  pointer-events: none;
  transition: var(--transition);
}

.wa-tooltip::after {
  content: '';
  position: absolute;
  top: 50%;
  right: -6px;
  transform: translateY(-50%);
  border: 6px solid transparent;
  border-left-color: var(--gray-900);
  border-right: none;
}

.wa-float:hover .wa-tooltip { opacity: 1; }

/* ===========================
   TOAST
   =========================== */
.toast {
  position: fixed;
  bottom: 100px;
  right: 28px;
  background: var(--gray-900);
  color: white;
  padding: 14px 20px;
  border-radius: 12px;
  font-size: 14px;
  font-weight: 600;
  z-index: 9999;
  transform: translateY(20px);
  opacity: 0;
  pointer-events: none;
  transition: all 0.4s cubic-bezier(0.4,0,0.2,1);
  max-width: 300px;
  box-shadow: var(--shadow-lg);
}

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

/* ===========================
   RESPONSIVE
   =========================== */
@media (max-width: 1100px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
}

@media (max-width: 991px) {
  .hero-content { grid-template-columns: 1fr; }
  .hero-text { text-align: center; }
  .hero-desc { margin: 0 auto 32px; }
  .hero-actions { justify-content: center; }
  .hero-stats { justify-content: center; }
  .hero-badge { margin: 0 auto 20px; }

  .why-inner { grid-template-columns: 1fr; gap: 40px; }
  .section-desc.light { max-width: 100%; }

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

  .contact-grid { grid-template-columns: 1fr; gap: 40px; }

  .nav { display: none; }
  .hamburger { display: flex; }

  .nav.open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    background: white;
    box-shadow: var(--shadow-lg);
    padding: 16px;
    gap: 4px;
    z-index: 999;
    border-top: 1px solid var(--gray-200);
  }

  .nav.open .nav-link {
    padding: 12px 16px;
    border-radius: 10px;
    font-size: 16px;
  }
}

@media (max-width: 768px) {
  section { padding: 60px 0; }

  .topbar-left span:nth-child(2) { display: none; }
  .btn-whatsapp span:not(svg) { display: none; }

  .insurance-grid { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-col:not(:first-child) { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 24px; }

  .cta-inner { flex-direction: column; text-align: center; }
  .cta-actions { justify-content: center; }
}

@media (max-width: 560px) {
  .insurance-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .hero-stats { flex-direction: column; align-items: center; gap: 16px; }
  .stat-divider { width: 60px; height: 1px; }
  .topbar-left { gap: 12px; font-size: 12px; }
}