/* Modern Premium Light Theme Stylesheet for depublicinsurance.com */
@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400&display=swap');

:root {
    --primary: #0A2540;          /* Deep Trust Navy */
    --primary-hover: #061B30;    /* Darker Navy */
    --accent: #0056B3;           /* Corporate Blue (Zurich/Allianz style) */
    --accent-hover: #004085;     /* Slate Blue */
    --accent-glow: rgba(0, 86, 179, 0.08);
    --text-main: #1C2D42;        /* Dark Slate Navy for Readability */
    --text-muted: #627C98;       /* Cool Muted Blue-Gray */
    --bg-body: #F4F7FA;          /* Clean Light Steel Blue */
    --bg-white: #FFFFFF;
    --border-color: #E2E8F0;
    --border-hover: rgba(0, 86, 179, 0.25);
    
    --accent-gold: #C69214;      /* Professional Gold Accent */
    --accent-teal: #0D9488;      /* Safe Emerald Teal */
    
    --font-heading: 'Plus Jakarta Sans', sans-serif;
    --font-serif: 'Playfair Display', serif;
    --font-body: 'Plus Jakarta Sans', sans-serif;
    
    --transition: cubic-bezier(0.16, 1, 0.3, 1) 0.4s;
    --shadow-sm: 0 2px 8px rgba(10, 37, 64, 0.04);
    --shadow-md: 0 12px 30px -10px rgba(10, 37, 64, 0.08);
    --shadow-lg: 0 24px 48px -15px rgba(10, 37, 64, 0.12);
    --shadow-glow: 0 15px 30px -5px rgba(0, 86, 179, 0.15);
}

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

html, body {
    width: 100%;
    overflow-x: hidden; /* Prevent horizontal scrolling */
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: var(--font-body);
    color: var(--text-main);
    background-color: var(--bg-body);
    line-height: 1.65;
    -webkit-font-smoothing: antialiased;
    padding-bottom: 75px; /* mobile sticky call bar space */
}

@media (min-width: 768px) {
    body {
        padding-bottom: 0;
    }
}

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

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    color: var(--primary);
    font-weight: 700;
    letter-spacing: -0.02em;
    line-height: 1.2;
}

.container {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

@media (max-width: 576px) {
    .container {
        padding: 0 16px;
    }
}

/* Background grid pattern & glowing blobs (light theme) */
.grid-bg {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-image: radial-gradient(rgba(0, 86, 179, 0.04) 1px, transparent 1px);
    background-size: 24px 24px;
    z-index: 1;
    opacity: 0.8;
}

.glow-blob {
    position: absolute;
    border-radius: 50%;
    filter: blur(120px);
    z-index: 1;
    pointer-events: none;
    opacity: 0.5;
}

.glow-blob-1 {
    top: 10%;
    right: 5%;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(0, 86, 179, 0.1) 0%, transparent 70%);
}

.glow-blob-2 {
    bottom: 20%;
    left: -10%;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(13, 148, 136, 0.08) 0%, transparent 70%);
}

/* Header Top-Bar (Allianz/Zurich Style) */
.header-top-bar {
    background-color: var(--primary);
    color: rgba(255, 255, 255, 0.8);
    font-size: 0.8rem;
    font-weight: 600;
    padding: 8px 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.05);
}

.top-bar-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.top-bar-left {
    display: flex;
    align-items: center;
    gap: 16px;
}

.top-bar-right {
    display: flex;
    align-items: center;
    gap: 12px;
}

.top-bar-info {
    display: flex;
    align-items: center;
    gap: 6px;
}

@media (max-width: 768px) {
    .header-top-bar {
        display: none; /* Hide on mobile to save vertical space */
    }
}

/* Header & Glassmorphic Navigation (Light Theme) */
.site-header {
    background-color: rgba(255, 255, 255, 0.85);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    position: sticky;
    top: 0;
    z-index: 1000;
    border-bottom: 1px solid var(--border-color);
    box-shadow: 0 4px 20px rgba(10, 37, 64, 0.03);
}

.nav-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 90px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 1.55rem;
    font-weight: 800;
    color: var(--primary);
    letter-spacing: -0.03em;
}

.logo-accent {
    color: var(--accent);
}

@media (max-width: 480px) {
    .logo {
        font-size: 1.15rem;
        gap: 8px;
    }
    .logo svg {
        width: 26px;
        height: 26px;
    }
}

.nav-menu {
    display: flex;
    align-items: center;
    list-style: none;
    gap: 32px;
}

.nav-link {
    color: var(--text-main);
    font-size: 0.95rem;
    font-weight: 600;
    padding: 8px 0;
    position: relative;
}

.nav-link:hover, .nav-link.active {
    color: var(--accent);
}

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

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

/* Nav Dropdown (Light) */
.dropdown {
    position: relative;
}

.dropdown-menu {
    position: absolute;
    top: 100%;
    left: 50%;
    transform: translateX(-50%) translateY(15px);
    background-color: var(--bg-white);
    border: 1px solid var(--border-color);
    border-radius: 12px;
    box-shadow: var(--shadow-lg);
    display: none;
    min-width: 250px;
    padding: 12px;
    list-style: none;
    opacity: 0;
    transition: var(--transition);
}

.dropdown:hover .dropdown-menu {
    display: block;
    opacity: 1;
    transform: translateX(-50%) translateY(5px);
}

.dropdown-menu li {
    margin-bottom: 4px;
}

.dropdown-menu li:last-child {
    margin-bottom: 0;
}

.dropdown-menu li a {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 10px 16px;
    color: var(--text-main);
    font-size: 0.9rem;
    font-weight: 600;
    border-radius: 8px;
}

.dropdown-menu li a:hover {
    background-color: var(--bg-body);
    color: var(--accent);
}

/* Phone Nav CTA (Light/Corporate) */
.nav-phone-btn {
    background: linear-gradient(135deg, var(--accent) 0%, #004085 100%);
    color: var(--bg-white);
    padding: 12px 24px;
    border-radius: 50px;
    font-weight: 700;
    font-size: 0.95rem;
    display: flex;
    align-items: center;
    gap: 8px;
    box-shadow: 0 4px 15px rgba(0, 86, 179, 0.15);
}

.nav-phone-btn:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-glow);
}

.menu-toggle {
    display: none;
    flex-direction: column;
    gap: 6px;
    background: none;
    border: none;
    cursor: pointer;
}

.menu-toggle span {
    display: block;
    width: 28px;
    height: 3px;
    background-color: var(--primary);
    border-radius: 2px;
    transition: var(--transition);
}

@media (max-width: 991px) {
    .menu-toggle {
        display: flex;
    }

    .nav-menu {
        position: fixed;
        top: 90px;
        left: -100%;
        width: 100%;
        height: calc(100vh - 90px);
        background-color: var(--bg-white);
        border-top: 1px solid var(--border-color);
        flex-direction: column;
        align-items: center;
        padding: 40px 24px;
        gap: 24px;
        transition: var(--transition);
        overflow-y: auto;
    }

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

    .dropdown-menu {
        position: static;
        display: block;
        background-color: var(--bg-body);
        border: none;
        box-shadow: none;
        padding-left: 0;
        opacity: 1;
        transform: none !important;
        text-align: center;
    }

    .dropdown-menu li a {
        justify-content: center;
        gap: 10px;
    }

    .nav-phone-btn {
        margin-top: 15px;
        width: 100%;
        justify-content: center;
    }
}

/* Premium Light Hero Section */
.hero {
    background: linear-gradient(135deg, #E6F0FA 0%, #FFFFFF 100%);
    color: var(--text-main);
    padding: 120px 0 160px;
    position: relative;
    overflow: hidden;
    border-bottom: 1px solid var(--border-color);
}

.hero-grid {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 5;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background-color: rgba(0, 86, 179, 0.05);
    color: var(--accent);
    padding: 8px 18px;
    border-radius: 50px;
    font-size: 0.85rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    margin-bottom: 24px;
    border: 1px solid rgba(0, 86, 179, 0.15);
    backdrop-filter: blur(4px);
}

.hero-badge i {
    width: 14px;
    height: 14px;
}

.hero h1 {
    font-size: clamp(2rem, 6vw, 4rem); /* Responsive fluid typography */
    line-height: 1.1;
    font-weight: 800;
    margin-bottom: 24px;
    letter-spacing: -0.03em;
    color: var(--primary);
}

.hero h1 span {
    font-family: var(--font-serif);
    font-style: italic;
    font-weight: 400;
    color: var(--accent-gold);
}

.hero p {
    font-size: clamp(1.05rem, 2.5vw, 1.25rem); /* Responsive text size */
    color: var(--text-muted);
    margin-bottom: 40px;
    max-width: 600px;
    font-weight: 400;
}

.cta-group {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    padding: 16px 32px;
    border-radius: 50px;
    font-weight: 700;
    font-size: 1.05rem;
    cursor: pointer;
    transition: var(--transition);
}

.btn-primary {
    background: linear-gradient(135deg, var(--accent) 0%, #004085 100%);
    color: var(--bg-white);
    box-shadow: 0 6px 20px rgba(0, 86, 179, 0.2);
}

.btn-primary:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-glow);
}

.btn-secondary {
    background-color: var(--bg-white);
    color: var(--primary);
    border: 1px solid var(--border-color);
    box-shadow: var(--shadow-sm);
}

.btn-secondary:hover {
    background-color: var(--bg-body);
    border-color: var(--accent);
    color: var(--accent);
    transform: translateY(-3px);
}

/* Light Floating Status Card */
.hero-visual {
    position: relative;
    display: flex;
    justify-content: center;
    align-items: center;
    width: 100%;
}

.live-card {
    background: rgba(255, 255, 255, 0.7);
    border: 1px solid rgba(0, 86, 179, 0.1);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border-radius: 24px;
    padding: 36px;
    width: 100%;
    max-width: 420px;
    box-shadow: 0 20px 50px rgba(10, 37, 64, 0.08);
    position: relative;
    z-index: 10;
}

@media (max-width: 576px) {
    .live-card {
        padding: 24px;
        border-radius: 16px;
    }
}

.live-card::before {
    content: '';
    position: absolute;
    inset: 0;
    border-radius: 24px;
    padding: 1px;
    background: linear-gradient(to bottom right, rgba(0, 86, 179, 0.2), transparent 70%);
    -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
    -webkit-mask-composite: xor;
    mask-composite: exclude;
    pointer-events: none;
}

@media (max-width: 576px) {
    .live-card::before {
        border-radius: 16px;
    }
}

.live-indicator {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 24px;
}

.indicator-dot {
    width: 10px;
    height: 10px;
    background-color: var(--accent-teal);
    border-radius: 50%;
    box-shadow: 0 0 12px var(--accent-teal);
    animation: flash 1.5s infinite;
}

.indicator-text {
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--accent-teal);
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.live-card h3 {
    font-size: 1.8rem;
    color: var(--primary);
    margin-bottom: 12px;
}

@media (max-width: 576px) {
    .live-card h3 {
        font-size: 1.45rem;
    }
}

.live-card p {
    font-size: 0.95rem;
    color: var(--text-muted);
    margin-bottom: 28px;
}

.live-card-stats {
    border-top: 1px solid var(--border-color);
    padding-top: 24px;
    display: flex;
    justify-content: space-between;
}

.stat-item {
    text-align: left;
}

.stat-val {
    font-size: 1.4rem;
    font-weight: 800;
    color: var(--accent);
}

.stat-lbl {
    font-size: 0.75rem;
    color: var(--text-muted);
    text-transform: uppercase;
    font-weight: 600;
    letter-spacing: 0.05em;
}

@keyframes flash {
    0% { opacity: 0.5; }
    50% { opacity: 1; }
    100% { opacity: 0.5; }
}

@media (max-width: 991px) {
    .hero-grid {
        grid-template-columns: 1fr;
        gap: 48px;
        text-align: center;
    }
    .hero h1 {
        margin-bottom: 16px;
    }
    .hero p {
        margin-left: auto;
        margin-right: auto;
        margin-bottom: 30px;
    }
    .cta-group {
        justify-content: center;
    }
    .live-card {
        margin: 0 auto;
    }
}

@media (max-width: 480px) {
    .cta-group {
        flex-direction: column;
        width: 100%;
        gap: 12px;
    }
    .cta-group .btn {
        width: 100%;
    }
}

/* Light Trust Bar */
.trust-bar {
    background-color: #EBF1F6;
    padding: 24px 0;
    border-bottom: 1px solid var(--border-color);
}

.trust-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 20px;
}

.trust-title {
    font-size: 0.85rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--text-muted);
}

.trust-badges {
    display: flex;
    gap: 30px;
    align-items: center;
    flex-wrap: wrap;
}

.trust-badge {
    display: flex;
    align-items: center;
    gap: 8px;
    color: var(--text-main);
    font-size: 0.9rem;
    font-weight: 600;
}

.trust-badge i {
    color: var(--accent);
    width: 20px;
    height: 20px;
}

@media (max-width: 768px) {
    .trust-container {
        flex-direction: column;
        align-items: center;
        text-align: center;
        gap: 16px;
    }
    .trust-badges {
        justify-content: center;
        gap: 16px;
    }
}

/* Sections (Light) */
.section {
    padding: clamp(60px, 8vw, 120px) 0; /* Fluid padding */
    position: relative;
}

.section-bg {
    background-color: var(--bg-white);
    border-top: 1px solid var(--border-color);
    border-bottom: 1px solid var(--border-color);
}

.section-header {
    max-width: 700px;
    margin: 0 auto clamp(40px, 6vw, 80px);
    text-align: center;
}

.section-header .sub {
    font-size: 0.85rem;
    font-weight: 800;
    color: var(--accent);
    text-transform: uppercase;
    letter-spacing: 0.1em;
    margin-bottom: 12px;
    display: block;
}

.section-header h2 {
    font-size: clamp(1.8rem, 4vw, 2.8rem); /* Responsive headings */
    color: var(--primary);
    margin-bottom: 20px;
    letter-spacing: -0.03em;
}

.section-header p {
    color: var(--text-muted);
    font-size: clamp(1.05rem, 2.5vw, 1.15rem);
    font-weight: 400;
}

/* Responsive Cards Grid */
.card-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: 24px;
}

.premium-card {
    background: var(--bg-white);
    border: 1px solid var(--border-color);
    border-radius: 20px;
    padding: clamp(24px, 4vw, 40px); /* Fluid padding inside cards */
    position: relative;
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
    display: flex;
    flex-direction: column;
    justify-content: space-between;
}

.premium-card::before {
    content: '';
    position: absolute;
    inset: 0;
    border-radius: 20px;
    padding: 2px;
    background: linear-gradient(135deg, var(--accent), transparent 60%);
    -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
    -webkit-mask-composite: xor;
    mask-composite: exclude;
    pointer-events: none;
    opacity: 0;
    transition: var(--transition);
}

.premium-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
    border-color: transparent;
}

.premium-card:hover::before {
    opacity: 1;
}

.card-top {
    position: relative;
}

.card-badge {
    position: absolute;
    top: 0;
    right: 0;
    background-color: rgba(0, 86, 179, 0.05);
    color: var(--accent);
    padding: 6px 14px;
    border-radius: 50px;
    font-size: 0.75rem;
    font-weight: 700;
    border: 1px solid rgba(0, 86, 179, 0.15);
}

.card-icon-box {
    width: 60px;
    height: 60px;
    background-color: var(--bg-body);
    border: 1px solid var(--border-color);
    border-radius: 14px;
    color: var(--accent);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 24px;
    transition: var(--transition);
}

.premium-card:hover .card-icon-box {
    background-color: var(--primary);
    color: var(--bg-white);
    border-color: var(--primary);
}

.premium-card h3 {
    font-size: clamp(1.25rem, 3vw, 1.45rem);
    color: var(--primary);
    margin-bottom: 12px;
    letter-spacing: -0.01em;
}

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

/* Bullet features inside cards (Allianz/AXA comparison layout) */
.card-bullets {
    list-style: none;
    margin-bottom: 30px;
    border-top: 1px dashed var(--border-color);
    padding-top: 16px;
}

.card-bullets li {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.88rem;
    font-weight: 600;
    color: var(--text-main);
    margin-bottom: 8px;
}

.card-bullets li::before {
    content: '\2713';
    color: var(--accent-teal);
    font-weight: 900;
    font-size: 0.95rem;
}

.card-footer {
    display: flex;
    justify-content: space-between;
    align-items: center;
    border-top: 1px solid var(--border-color);
    padding-top: 20px;
}

.card-price-info {
    text-align: left;
}

.price-lbl {
    font-size: 0.7rem;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    color: var(--text-muted);
    font-weight: 600;
}

.price-val {
    font-size: 1.25rem;
    font-weight: 800;
    color: var(--primary);
}

.card-action-link {
    color: var(--accent);
    font-weight: 700;
    font-size: 0.9rem;
    display: flex;
    align-items: center;
    gap: 6px;
}

.premium-card:hover .card-action-link {
    color: var(--accent-hover);
}

/* Benefit Columns (Light) */
.benefit-row {
    display: grid;
    grid-template-columns: 1fr 1.1fr;
    gap: clamp(40px, 8vw, 80px);
    align-items: center;
}

@media (max-width: 991px) {
    .benefit-row {
        grid-template-columns: 1fr;
    }
}

.benefit-visual {
    background: linear-gradient(135deg, #E6F0FA 0%, #FFFFFF 100%);
    border: 1px solid var(--border-color);
    border-radius: 28px;
    height: 460px;
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    overflow: hidden;
    box-shadow: var(--shadow-md);
    width: 100%;
}

@media (max-width: 991px) {
    .benefit-visual {
        height: 280px;
        border-radius: 20px;
    }
}

.benefit-visual-glow {
    position: absolute;
    width: 250px;
    height: 250px;
    border-radius: 50%;
    background-color: var(--accent);
    filter: blur(80px);
    opacity: 0.08;
    bottom: -50px;
    right: -50px;
}

.benefit-visual-card {
    background: rgba(255, 255, 255, 0.9);
    border: 1px solid var(--border-color);
    box-shadow: var(--shadow-lg);
    padding: 30px;
    border-radius: 20px;
    text-align: center;
    color: var(--text-main);
    max-width: 280px;
    width: 80%;
}

@media (max-width: 576px) {
    .benefit-visual-card {
        padding: 20px;
        border-radius: 16px;
    }
}

.benefit-visual-card i {
    color: var(--accent);
    width: 48px;
    height: 48px;
    margin-bottom: 16px;
}

.benefit-list {
    list-style: none;
}

.benefit-item {
    display: flex;
    gap: 20px;
    margin-bottom: 30px;
}

.benefit-item:last-child {
    margin-bottom: 0;
}

.benefit-bullet {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background-color: rgba(0, 86, 179, 0.05);
    border: 1px solid rgba(0, 86, 179, 0.15);
    color: var(--accent);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-weight: 700;
}

.benefit-item h4 {
    font-size: 1.2rem;
    color: var(--primary);
    margin-bottom: 6px;
    letter-spacing: -0.01em;
}

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

/* Light Call Banner (Premium Layout) */
.glowing-call-banner {
    background: linear-gradient(135deg, #E6F0FA 0%, #F5F9FD 100%);
    color: var(--text-main);
    border-radius: 32px;
    padding: clamp(40px, 8vw, 80px) clamp(20px, 4vw, 40px);
    text-align: center;
    position: relative;
    overflow: hidden;
    border: 1px solid rgba(0, 86, 179, 0.15);
    box-shadow: var(--shadow-md);
    margin-top: 40px;
}

@media (max-width: 768px) {
    .glowing-call-banner {
        border-radius: 20px;
    }
}

.glowing-call-banner::after {
    content: '';
    position: absolute;
    top: -50%;
    left: -20%;
    width: 60%;
    height: 150%;
    background: radial-gradient(circle, rgba(0, 86, 179, 0.05) 0%, transparent 60%);
    pointer-events: none;
}

.glowing-call-banner h3 {
    font-size: clamp(1.85rem, 5vw, 2.6rem);
    font-weight: 800;
    margin-bottom: 18px;
    letter-spacing: -0.02em;
    color: var(--primary);
}

.glowing-call-banner p {
    font-size: clamp(1.05rem, 2.5vw, 1.2rem);
    color: var(--text-muted);
    max-width: 650px;
    margin: 0 auto 30px;
}

.glow-phone-num {
    display: inline-flex;
    align-items: center;
    gap: 16px;
    font-size: clamp(1.8rem, 6vw, 3.2rem);
    font-weight: 800;
    color: var(--accent);
    font-family: var(--font-heading);
    transition: var(--transition);
}

.glow-phone-num:hover {
    color: var(--accent-hover);
    transform: scale(1.05);
}

@media (max-width: 576px) {
    .glow-phone-num {
        gap: 8px;
    }
    .glow-phone-num svg {
        width: 28px;
        height: 28px;
    }
}

/* Page Header (Light Theme) */
.premium-page-header {
    background: linear-gradient(135deg, #E6F0FA 0%, #FFFFFF 100%);
    color: var(--text-main);
    padding: clamp(60px, 8vw, 100px) 0 clamp(80px, 10vw, 120px);
    text-align: center;
    position: relative;
    overflow: hidden;
    border-bottom: 1px solid var(--border-color);
}

.premium-page-header h1 {
    font-size: clamp(2.2rem, 6vw, 3.5rem);
    font-weight: 800;
    margin-bottom: 16px;
    letter-spacing: -0.03em;
    color: var(--primary);
}

.premium-page-header h1 span {
    font-family: var(--font-serif);
    font-style: italic;
    font-weight: 400;
    color: var(--accent-gold);
}

.premium-page-header-desc {
    font-size: clamp(1.05rem, 2.5vw, 1.25rem);
    color: var(--text-muted);
    max-width: 700px;
    margin: 0 auto;
}

/* Content Container & Detail Blocks (Light Theme) */
.premium-content-wrapper {
    padding: clamp(40px, 6vw, 100px) 0;
    position: relative;
}

.premium-detail-block {
    background-color: var(--bg-white);
    border: 1px solid var(--border-color);
    border-radius: 24px;
    padding: clamp(24px, 5vw, 60px);
    box-shadow: var(--shadow-md);
    margin-bottom: clamp(30px, 5vw, 60px);
}

@media (max-width: 768px) {
    .premium-detail-block {
        border-radius: 16px;
    }
}

.premium-detail-block h2 {
    font-size: clamp(1.6rem, 4vw, 2.2rem);
    color: var(--primary);
    margin: 40px 0 20px;
    letter-spacing: -0.02em;
}

.premium-detail-block h2:first-of-type {
    margin-top: 0;
}

.premium-detail-block p {
    font-size: 1.05rem;
    color: var(--text-main);
    margin-bottom: 24px;
    line-height: 1.75;
}

.premium-detail-block ul {
    list-style: none;
    margin: 24px 0;
}

.premium-detail-block ul li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    margin-bottom: 16px;
    font-size: 1.05rem;
    color: var(--text-main);
}

.premium-detail-block ul li::before {
    content: '\2713';
    color: var(--accent-teal);
    font-weight: 900;
    font-size: 1.1rem;
    line-height: 1;
    margin-top: 2px;
}

/* FAQ Accordion Elements (Light) */
.faq-accordion-box {
    border: 1px solid var(--border-color);
    border-radius: 16px;
    background-color: var(--bg-white);
    overflow: hidden;
    margin-top: 40px;
}

.faq-card {
    border-bottom: 1px solid var(--border-color);
    transition: var(--transition);
}

.faq-card:last-child {
    border-bottom: none;
}

.faq-trigger {
    display: flex;
    justify-content: space-between;
    align-items: center;
    width: 100%;
    padding: clamp(18px, 4vw, 24px) clamp(20px, 4vw, 30px);
    background: none;
    border: none;
    text-align: left;
    font-family: var(--font-heading);
    font-size: clamp(1rem, 3vw, 1.15rem);
    font-weight: 700;
    color: var(--primary);
    cursor: pointer;
    transition: var(--transition);
}

.faq-trigger:hover {
    color: var(--accent);
}

.faq-body {
    padding: 0 clamp(20px, 4vw, 30px) clamp(18px, 4vw, 24px);
    display: none;
    color: var(--text-muted);
    font-size: 0.98rem;
    line-height: 1.7;
}

.faq-card.active .faq-body {
    display: block;
}

.faq-trigger-icon {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background-color: var(--bg-body);
    color: var(--primary);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
    font-size: 1.2rem;
    flex-shrink: 0;
    margin-left: 10px;
}

.faq-card.active .faq-trigger-icon {
    background-color: var(--accent);
    color: var(--bg-white);
    transform: rotate(45deg);
}

/* Premium Light Footer */
.premium-footer {
    background-color: #ECEFF3;
    color: var(--text-main);
    padding: clamp(60px, 8vw, 100px) 0 40px;
    border-top: 1px solid var(--border-color);
    position: relative;
    overflow: hidden;
}

.premium-footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
    gap: 40px;
    margin-bottom: clamp(40px, 8vw, 80px);
}

@media (max-width: 991px) {
    .premium-footer-grid {
        grid-template-columns: 1fr 1fr;
        gap: 30px;
    }
}

@media (max-width: 576px) {
    .premium-footer-grid {
        grid-template-columns: 1fr;
    }
}

.footer-brand h3 {
    color: var(--primary);
    font-size: 1.6rem;
    font-weight: 800;
    margin-bottom: 18px;
    letter-spacing: -0.02em;
}

.footer-brand p {
    font-size: 0.95rem;
    margin-bottom: 24px;
    max-width: 320px;
    color: var(--text-muted);
}

.footer-brand-highlight {
    background-color: rgba(13, 148, 136, 0.05);
    border: 1px solid rgba(13, 148, 136, 0.15);
    border-radius: 12px;
    padding: 16px;
    font-size: 0.88rem;
    color: var(--accent-teal);
    font-weight: 600;
    display: inline-block;
}

.footer-section h4 {
    color: var(--primary);
    font-size: 1.1rem;
    font-weight: 700;
    margin-bottom: 24px;
    position: relative;
}

.footer-section ul {
    list-style: none;
}

.footer-section ul li {
    margin-bottom: 12px;
}

.footer-section ul li a {
    font-size: 0.95rem;
    color: var(--text-muted);
}

.footer-section ul li a:hover {
    color: var(--accent);
    padding-left: 6px;
}

.footer-contact-list {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.footer-contact-num {
    font-size: 1.35rem;
    font-weight: 800;
    color: var(--accent);
    display: flex;
    align-items: center;
    gap: 8px;
}

.footer-contact-num:hover {
    color: var(--accent-hover);
}

.premium-footer-bottom {
    border-top: 1px solid var(--border-color);
    padding-top: 40px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 20px;
    font-size: 0.9rem;
    color: var(--text-muted);
}

.footer-bottom-nav {
    display: flex;
    gap: 30px;
}

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

@media (max-width: 768px) {
    .premium-footer-bottom {
        flex-direction: column;
        text-align: center;
        gap: 16px;
    }
    .footer-bottom-nav {
        justify-content: center;
        flex-wrap: wrap;
        gap: 20px;
    }
}

/* Mobile Sticky Call Bar (Light/Corporate Blue) */
.premium-sticky-call-bar {
    position: fixed;
    bottom: 0;
    left: 0;
    width: 100%;
    background: linear-gradient(135deg, var(--accent) 0%, #004085 100%);
    color: var(--bg-white);
    z-index: 999;
    box-shadow: 0 -8px 24px rgba(10, 37, 64, 0.15);
    display: flex;
    justify-content: center;
    align-items: center;
    border-top: 1px solid rgba(255, 255, 255, 0.15);
}

.premium-sticky-call-link {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 12px;
    width: 100%;
    padding: 18px;
    font-weight: 800;
    font-size: 1.15rem;
    font-family: var(--font-heading);
    letter-spacing: -0.01em;
}

.premium-sticky-call-link:active {
    background-color: var(--accent-hover);
}

@media (min-width: 768px) {
    .premium-sticky-call-bar {
        display: none;
    }
}

/* Premium Form Styles (Allianz/Zurich Style) */
.consultation-form-box {
    background-color: var(--bg-white);
    border: 1px solid var(--border-color);
    border-radius: 24px;
    padding: clamp(24px, 5vw, 40px);
    box-shadow: var(--shadow-md);
    position: relative;
    z-index: 5;
}

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

@media (max-width: 576px) {
    .form-row {
        grid-template-columns: 1fr;
        gap: 0;
    }
}

.form-group {
    margin-bottom: 20px;
    text-align: left;
}

.form-group label {
    display: block;
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 8px;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.form-control, .form-select {
    width: 100%;
    padding: 14px 18px;
    font-family: var(--font-body);
    font-size: 0.95rem;
    color: var(--text-main);
    background-color: var(--bg-body);
    border: 1px solid var(--border-color);
    border-radius: 12px;
    transition: var(--transition);
    outline: none;
    appearance: none;
    -webkit-appearance: none;
}

.form-select {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='24' height='24' viewBox='0 0 24 24' fill='none' stroke='%23627C98' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 18px center;
    background-size: 16px;
    padding-right: 48px;
}

.form-control:focus, .form-select:focus {
    border-color: var(--accent);
    background-color: var(--bg-white);
    box-shadow: 0 0 0 4px var(--accent-glow);
}

textarea.form-control {
    height: 120px;
    resize: vertical;
}

.btn-submit {
    width: 100%;
    border: none;
    padding: 16px 32px;
    border-radius: 50px;
    font-weight: 800;
    font-size: 1.05rem;
    cursor: pointer;
    transition: var(--transition);
    background: linear-gradient(135deg, var(--accent) 0%, #004085 100%);
    color: var(--bg-white);
    box-shadow: 0 6px 20px rgba(0, 86, 179, 0.2);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
}

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

.form-alert {
    padding: 16px 20px;
    border-radius: 12px;
    font-size: 0.95rem;
    font-weight: 600;
    margin-bottom: 24px;
    display: flex;
    align-items: center;
    gap: 10px;
}

.form-alert-success {
    background-color: rgba(13, 148, 136, 0.08);
    border: 1px solid rgba(13, 148, 136, 0.2);
    color: var(--accent-teal);
}

.form-alert-error {
    background-color: rgba(220, 38, 38, 0.08);
    border: 1px solid rgba(220, 38, 38, 0.2);
    color: #DC2626;
}