/*
Theme Name: Instant Car Insure
Theme URI: https://instantcarinsure.com
Author: Instant Car Insure Team
Author URI: https://instantcarinsure.com
Description: 100% functional theme for Instant Car Insure. Car insurance estimates in 30 seconds.
Version: 11
License: GPL v2 or later
Text Domain: instant-car-insure
*/

:root {
    --navy: #1e3a5f;
    --navy-dark: #152a45;
    --navy-light: #2a4f7a;
    --orange: #f97316;
    --orange-dark: #ea580c;
    --orange-light: #fb923c;
    --green-accent: #22c55e;
    --green-dark: #16a34a;
    --bg: #f8fafc;
    --bg-alt: #f1f5f9;
    --white: #ffffff;
    --text: #1e293b;
    --text-light: #64748b;
    --text-muted: #94a3b8;
    --border: #e2e8f0;
    --shadow-sm: 0 1px 2px rgba(0,0,0,0.04);
    --shadow: 0 4px 6px -1px rgba(0,0,0,0.07);
    --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.08);
    --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.1);
    --radius-sm: 8px;
    --radius: 12px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --max-w: 1280px;
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    background: var(--bg);
    color: var(--text);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}

::selection { background: var(--orange); color: white; }

/* ===== HEADER ===== */
.site-header {
    background: rgba(255,255,255,0.95);
    backdrop-filter: blur(20px);
    border-bottom: 1px solid var(--border);
    position: sticky;
    top: 0;
    z-index: 1000;
}
.nav-container {
    max-width: var(--max-w);
    margin: auto;
    padding: 0 24px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 72px;
}
.site-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    text-decoration: none;
}
.site-logo img { height: 44px; width: auto; }
.site-name {
    font-family: 'Outfit', sans-serif;
    font-size: 20px;
    font-weight: 800;
    color: var(--navy);
    text-transform: uppercase;
}
.site-name span { color: var(--orange); }
.main-menu {
    display: flex;
    align-items: center;
    gap: 8px;
    list-style: none;
}
.main-menu li a {
    text-decoration: none;
    color: var(--text-light);
    font-weight: 500;
    padding: 10px 18px;
    border-radius: var(--radius-sm);
    transition: var(--transition);
}
.main-menu li a:hover { color: var(--navy); background: var(--bg-alt); }
.mobile-toggle {
    display: none;
    background: none;
    border: none;
    font-size: 24px;
    color: var(--navy);
    cursor: pointer;
}

/* ===== HERO ===== */
.hero-section {
    background: linear-gradient(165deg, var(--navy) 0%, var(--navy-dark) 100%);
    padding: 60px 24px;
}
.hero-inner {
    max-width: var(--max-w);
    margin: auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 30px;
    align-items: center;
}
.hero-text h1 {
    font-family: 'Outfit', sans-serif;
    font-size: clamp(34px, 5vw, 52px);
    font-weight: 800;
    color: white;
    line-height: 1.1;
    margin-bottom: 20px;
}
.hero-text h1 .highlight { color: var(--orange); }
.hero-subtitle {
    font-size: clamp(16px, 1.8vw, 19px);
    color: rgba(255,255,255,0.7);
    margin-bottom: 28px;
    max-width: 440px;
}
.hero-features {
    display: flex;
    flex-wrap: wrap;
    gap: 18px;
    margin-bottom: 28px;
}
.hero-feature {
    display: flex;
    align-items: center;
    gap: 8px;
    color: rgba(255,255,255,0.85);
    font-size: 14px;
}
.hero-feature i { color: var(--green-accent); }
.hero-image-wrapper img {
    max-width: 100%;
    max-height: 380px;
    border-radius: var(--radius-lg);
    filter: drop-shadow(0 20px 40px rgba(0,0,0,0.35));
}

/* ===== TRUST BAR ===== */
.trust-bar {
    background: var(--white);
    border-bottom: 1px solid var(--border);
    padding: 20px 24px;
}
.trust-inner {
    max-width: var(--max-w);
    margin: auto;
    display: flex;
    justify-content: center;
    gap: 40px;
    flex-wrap: wrap;
}
.trust-item {
    display: flex;
    align-items: center;
    gap: 10px;
    color: var(--text-light);
    font-weight: 500;
}
.trust-item i { color: var(--green-accent); font-size: 18px; }

/* ===== ESTIMATE SECTION - DYNAMIC (CENTERED WITHOUT AD / GRID WITH AD) ===== */
.estimate-section-wrapper {
    max-width: var(--max-w);
    margin: 40px auto;
    padding: 0 24px;
    display: flex;
    justify-content: center; /* It centers perfectly when there are NO ads. */
}
/* When advertising is enabled, it turns into a 2-column grid. */
.estimate-section-wrapper.has-ad {
    display: grid;
    grid-template-columns: 1fr 300px;
    justify-content: normal;
    gap: 40px;
    align-items: start;
}

.estimate-form-column {
    display: flex;
    justify-content: center;
    width: 100%;
}
.form-card {
    width: 100%;
    max-width: 560px;
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 36px;
    box-shadow: var(--shadow-xl);
    position: relative;
    margin: 0 auto;
}

.form-header { text-align: center; margin-bottom: 28px; }
.form-header h3 {
    font-family: 'Outfit', sans-serif;
    font-size: clamp(22px, 3.5vw, 32px);   /* ← RESPONSIVO */
    color: var(--navy);
    line-height: 1.15;
}
.form-header p { color: var(--text-light); font-size: 14px; }
.form-group { margin-bottom: 16px; position: relative; }
.form-group label {
    display: block;
    font-size: 13px;
    font-weight: 600;
    text-transform: uppercase;
    margin-bottom: 6px;
}
.form-group input, .form-group select {
    width: 100%;
    padding: 14px 16px 14px 44px;
    border: 2px solid var(--border);
    border-radius: var(--radius);
    font-family: 'Inter', sans-serif;
    background: var(--bg);
    transition: var(--transition);
}
.form-group input:focus, .form-group select:focus {
    border-color: var(--orange);
    box-shadow: 0 0 0 4px rgba(249,115,22,0.1);
}
.form-group .input-icon {
    position: absolute;
    left: 16px;
    bottom: 16px;
    color: var(--text-muted);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.form-row.form-row-3cols { grid-template-columns: 1fr 1fr 1fr; }
.btn-primary {
    width: 100%;
    padding: 16px;
    background: linear-gradient(135deg, var(--orange), var(--orange-dark));
    color: white;
    border: none;
    border-radius: var(--radius);
    font-weight: 700;
    text-transform: uppercase;
    cursor: pointer;
    transition: var(--transition);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 25px rgba(249,115,22,0.35); }
.form-footer {
    text-align: center;
    margin-top: 16px;
    font-size: 12px;
    color: var(--text-muted);
}
.estimate-result {
    margin-top: 20px;
    padding: 20px;
    background: #f0fdf4;
    border: 2px solid var(--green-accent);
    border-radius: var(--radius);
    text-align: center;
    display: none;
}
.estimate-result.show { display: block; }
.estimate-result .result-price {
    font-family: 'Outfit', sans-serif;
    font-size: 36px;
    font-weight: 800;
    color: var(--navy);
}
.estimate-result .result-price span { color: var(--orange); }

.estimate-sidebar-column {
    width: 100%;
}

/* Responsive: If there's an ad on the tablet, it stacks. */
@media (max-width: 1024px) {
    .estimate-section-wrapper.has-ad {
        display: flex;
        flex-direction: column;
        align-items: center;
    }
    .estimate-sidebar-column {
        margin-top: 30px;
        display: flex;
        justify-content: center;
        width: 100%;
    }
}

/* ===== ADS BANNERS ===== */
.ads-banner { max-width: var(--max-w); margin: 0 auto 40px; padding: 0 24px; }
.ad-container { margin: 0 auto; text-align: center; }

/* ===== TOP 10 STATES ===== */
.states-section { background: linear-gradient(180deg, var(--bg-alt), var(--bg)); padding: 70px 24px; }
.container { max-width: var(--max-w); margin: auto; }
.section-header { text-align: center; margin-bottom: 50px; }
.section-header h2 { font-family: 'Outfit', sans-serif; font-size: clamp(28px, 3vw, 40px); color: var(--navy); }
.states-grid-5cols {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 20px;
    margin-top: 30px;
}
.state-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 24px 20px;
    text-align: center;
    border: 1px solid var(--border);
    cursor: pointer;
    transition: var(--transition);
}
.state-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--orange); }
.state-card .state-flag {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    background: var(--navy);
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 12px;
}
.state-card h4 { font-family: 'Outfit', sans-serif; color: var(--navy); }
.state-card .state-premium { font-size: 22px; font-weight: 800; color: var(--orange); }
.states-source { text-align: center; margin-top: 20px; font-size: 13px; color: var(--text-muted); }

/* ===== BENEFITS ===== */
.cards-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; max-width: var(--max-w); margin: auto; padding: 0 24px; }
.card {
    background: var(--white);
    padding: 36px 28px;
    border-radius: var(--radius-xl);
    border: 1px solid var(--border);
    transition: var(--transition);
}
.card-icon {
    width: 56px;
    height: 56px;
    border-radius: var(--radius);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 24px;
    margin-bottom: 20px;
}
.card:nth-child(1) .card-icon { background: rgba(249,115,22,0.1); color: var(--orange); }
.card:nth-child(2) .card-icon { background: rgba(34,197,94,0.1); color: var(--green-accent); }
.card:nth-child(3) .card-icon { background: rgba(30,58,95,0.1); color: var(--navy); }
.card h3 { font-family: 'Outfit', sans-serif; font-size: 20px; margin-bottom: 10px; }

/* ===== HOW IT WORKS ===== */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    max-width: var(--max-w);
    margin: 50px auto 0;
    padding: 0 24px;
}
.step { text-align: center; }
.step-number {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--orange), var(--orange-dark));
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    font-weight: 800;
    margin: 0 auto 20px;
}
.step h4 { font-family: 'Outfit', sans-serif; color: var(--navy); }

/* ===== FAQ ===== */
.faq-section { background: var(--bg-alt); padding: 70px 24px; }
.faq-inner { max-width: 800px; margin: auto; }
.faq-item {
    background: var(--white);
    border-radius: var(--radius-lg);
    margin-bottom: 12px;
    border: 1px solid var(--border);
    overflow: hidden;
}
.faq-question {
    padding: 22px 28px;
    display: flex;
    justify-content: space-between;
    cursor: pointer;
    font-weight: 600;
    color: var(--navy);
}
.faq-icon { color: var(--orange); transition: transform 0.3s; }
.faq-answer {
    padding: 0 28px;
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.5s;
}
.faq-item.active .faq-answer { padding: 0 28px 22px; max-height: 600px; }
.faq-item.active .faq-icon { transform: rotate(180deg); }

/* ===== CTA ===== */
.cta-section {
    background: linear-gradient(135deg, var(--navy), var(--navy-dark));
    text-align: center;
    padding: 70px 24px;
}
.cta-content h2 {
    font-family: 'Outfit', sans-serif;
    font-size: clamp(28px, 3vw, 40px);
    color: #ffffff;
    margin-bottom: 16px;
}
.cta-content p {
    color: #ffffff;
    font-size: 18px;
    margin-bottom: 32px;
    max-width: 500px;
    margin-left: auto;
    margin-right: auto;
}
.cta-btn {
    display: inline-flex;
    gap: 10px;
    padding: 16px 36px;
    background: linear-gradient(135deg, var(--orange), var(--orange-dark));
    color: white;
    text-decoration: none;
    border-radius: var(--radius);
    font-weight: 700;
    transition: var(--transition);
}
.cta-btn:hover { transform: translateY(-2px); }

/* ===== BACK TO TOP ===== */
#backToTop {
    position: fixed;
    bottom: 30px;
    right: 30px;
    width: 52px;
    height: 52px;
    background: linear-gradient(135deg, var(--navy), var(--navy-dark));
    color: white;
    border: none;
    border-radius: 50%;
    cursor: pointer;
    opacity: 0;
    visibility: hidden;
    transition: all 0.3s;
    z-index: 99999;
}
#backToTop.show {
    opacity: 1;
    visibility: visible;
}

/* ===== FOOTER ===== */
.site-footer { background: #0a1628; color: white; padding: 40px 24px 20px; text-align: center; }
.footer-menu {
    list-style: none;
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 20px;
    margin-bottom: 20px;
}
.footer-menu li a { color: rgba(255,255,255,0.7); text-decoration: none; transition: var(--transition); }
.footer-menu li a:hover { color: var(--orange); }
.footer-divider { border-top: 1px solid rgba(255,255,255,0.08); margin: 20px 0; }
.footer-copyright { color: rgba(255,255,255,0.4); font-size: 13px; }

/* ===== BLOG ===== */
.blog-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(320px, 1fr));
    gap: 30px;
    max-width: var(--max-w);
    margin: 20px auto 0;
    padding: 0 24px;
}
.blog-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow);
}
.blog-thumbnail { display: block; height: 200px; overflow: hidden; }
.blog-thumbnail img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.4s; }
.blog-card:hover .blog-thumbnail img { transform: scale(1.03); }
.blog-content { padding: 20px; }
.blog-content h3 a { color: var(--navy); text-decoration: none; }
.blog-readmore { color: var(--orange); font-weight: 600; text-decoration: none; }
.blog-pagination { text-align: center; margin-top: 40px; }
.blog-pagination .page-numbers {
    display: inline-block;
    padding: 10px 20px;
    margin: 0 5px;
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    cursor: pointer;
}
.blog-pagination .page-numbers.current { background: var(--orange); color: white; }

/* ===== ADJUSTING BANNER SPACING ===== */
.ads-banner.banner2-home {
    margin-top: 60px;
}
.ads-banner.banner3-home {
    margin-top: 60px;
}

/* ===== SINGLE POST - FIXED SIDEBAR (STICKY) ===== */
.single-wrapper {
    max-width: var(--max-w);
    margin: 40px auto;
    padding: 0 24px;
}
.single-wrapper.has-sidebar {
    display: grid;
    grid-template-columns: 1fr 320px;
    gap: 40px;
    align-items: start;
}
.single-wrapper.no-sidebar .single-main {
    max-width: 860px;
    margin: 0 auto;
}
.single-main {
    background: var(--white);
    border-radius: var(--radius-xl);
    padding: 40px;
    box-shadow: var(--shadow-lg);
}
.single-main h1 { font-size: 36px; color: var(--navy); margin-bottom: 16px; }
.post-meta { color: var(--text-light); border-bottom: 1px solid var(--border); padding-bottom: 16px; margin-bottom: 24px; }

/* ===== FIXED: POST THUMBNAIL - NO MORE STRETCHED IMAGES ON MOBILE ===== */
.post-thumbnail-single {
    width: 100%;
    margin-bottom: 30px;
    border-radius: var(--radius-lg);
    overflow: hidden;
}
.post-thumbnail-single img {
    width: 100%;
    height: auto;
    max-height: 500px;
    object-fit: cover;
    object-position: center;
    display: block;
    border-radius: var(--radius-lg);
}

.post-content { font-size: 18px; line-height: 1.7; }

/* ===== PREVIOUS / NEXT POST NAVIGATION ===== */
.post-navigation {
    margin-top: 50px;
    padding-top: 40px;
    border-top: 2px solid var(--border);
}
.post-nav-title {
    font-family: 'Outfit', sans-serif;
    font-size: 22px;
    color: var(--navy);
    margin-bottom: 24px;
    text-align: center;
}
.post-nav-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}
.post-nav-card {
    display: flex;
    align-items: center;
    gap: 16px;
    background: var(--bg-alt);
    border-radius: var(--radius-lg);
    padding: 16px;
    text-decoration: none;
    border: 1px solid var(--border);
    transition: var(--transition);
}
.post-nav-card:hover {
    background: var(--white);
    border-color: var(--orange);
    box-shadow: var(--shadow-lg);
    transform: translateY(-2px);
}
.post-nav-card.post-nav-next {
    flex-direction: row-reverse;
    text-align: right;
}
.post-nav-card.post-nav-next .post-nav-info {
    text-align: right;
}
.post-nav-thumb {
    width: 80px;
    height: 80px;
    min-width: 80px;
    min-height: 80px;
    border-radius: var(--radius-sm);
    overflow: hidden;
    background: var(--border);
    display: flex;
    align-items: center;
    justify-content: center;
}
.post-nav-thumb img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
}
.post-nav-placeholder {
    width: 100%;
    height: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--text-muted);
    font-size: 24px;
}
.post-nav-info {
    flex: 1;
    min-width: 0;
}
.post-nav-label {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    color: var(--orange);
    letter-spacing: 0.05em;
    margin-bottom: 6px;
}
.post-nav-post-title {
    font-family: 'Outfit', sans-serif;
    font-size: 15px;
    font-weight: 600;
    color: var(--navy);
    line-height: 1.4;
    display: -webkit-box;
    -webkit-line-clamp: 2;
    -webkit-box-orient: vertical;
    overflow: hidden;
}
.post-nav-empty {
    visibility: hidden;
}

/* MAGIC HAPPENS HERE: Sticky Sidebar Ads on Desktop */
.single-sidebar {
    position: sticky;
    top: 92px;
    align-self: start;
    height: fit-content;
    width: 100%;
}

.single-sidebar-ad {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    width: 300px;
    height: 600px;
    display: flex;
    align-items: center;
    justify-content: center;
    overflow: hidden;
    margin: 0 auto;
}
.single-sidebar-ad .ad-container { width: 100%; height: 100%; }

/* ===== MOBILE: Single Ad returns to normal (Remove Sticky) ===== */
@media (max-width: 768px) {
    .single-wrapper.has-sidebar {
        display: flex;
        flex-direction: column;
    }

    .single-sidebar {
        position: static !important;
        height: auto !important;
        order: -1;
        margin-bottom: 30px;
        width: 100%;
        display: flex;
        justify-content: center;
    }

    .single-sidebar-ad {
        width: 100%;
        max-width: 300px;
        height: auto;
        min-height: 250px;
        margin: 0 auto;
        padding: 20px;
    }

    .single-main { padding: 24px; }
    .single-main h1 { font-size: 28px; }
    .post-content { font-size: 16px; }

    /* ===== MOBILE: Post Navigation Stack ===== */
    .post-nav-grid {
        grid-template-columns: 1fr;
    }
    .post-nav-card.post-nav-next {
        flex-direction: row;
        text-align: left;
    }
    .post-nav-card.post-nav-next .post-nav-info {
        text-align: left;
    }
    .post-nav-title {
        font-size: 18px;
    }
    .post-nav-thumb {
        width: 64px;
        height: 64px;
        min-width: 64px;
        min-height: 64px;
    }
    .post-nav-post-title {
        font-size: 14px;
    }
}

/* ===== RESPONSIVE GENERAL ===== */
@media (max-width: 1024px) {
    .steps-grid { grid-template-columns: repeat(2, 1fr); }
    .step:not(:last-child)::after { display: none; }
    .cards-grid { grid-template-columns: repeat(2, 1fr); }
    .states-grid-5cols { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 768px) {
    .hero-inner { grid-template-columns: 1fr; text-align: center; gap: 20px; }
    .hero-subtitle { max-width: 100%; margin-left: auto; margin-right: auto; }
    .hero-features { justify-content: center; }
    .hero-image-wrapper { order: -1; }
    .hero-image-wrapper img { max-height: 220px; }
    .main-menu {
        display: none;
        position: absolute;
        top: 72px;
        left: 0;
        right: 0;
        background: white;
        flex-direction: column;
        padding: 20px;
        border-bottom: 1px solid var(--border);
        box-shadow: var(--shadow-lg);
        z-index: 999;
    }
    .main-menu.active { display: flex; }
    .mobile-toggle { display: block; }
    .form-row { grid-template-columns: 1fr; }
    .form-row.form-row-3cols { grid-template-columns: 1fr; }
    .trust-inner { gap: 20px; }
    .steps-grid { grid-template-columns: 1fr; }
    .cards-grid { grid-template-columns: 1fr; }
    .site-name { font-size: 16px; }
    #backToTop { width: 46px; height: 46px; bottom: 20px; right: 16px; font-size: 17px; }
    .states-grid-5cols { grid-template-columns: repeat(2, 1fr); }
    .blog-grid { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
    .hero-text h1 { font-size: 24px; }
    .hero-subtitle { font-size: 14px; }
    .form-card { padding: 24px 18px; }
    .hero-image-wrapper img { max-height: 180px; }
    .faq-question { padding: 18px 20px; font-size: 14px; }
    .faq-item.active .faq-answer { padding: 0 20px 18px; }

    /* ===== MOBILE SMALL: Post Navigation ===== */
    .post-nav-card {
        padding: 12px;
        gap: 12px;
    }
    .post-nav-thumb {
        width: 56px;
        height: 56px;
        min-width: 56px;
        min-height: 56px;
    }
    .post-nav-label {
        font-size: 11px;
    }
    .post-nav-post-title {
        font-size: 13px;
    }
}

/* ===== INSURER BUTTONS (appears after the estimator's result.) ===== */
.insurer-buttons-section {
    display: none;
    margin-top: 24px;
    padding-top: 20px;
    border-top: 1px solid var(--border);
}
.insurer-buttons-section.show {
    display: block;
}
.insurer-buttons-label {
    font-size: 13px;
    font-weight: 700;
    text-transform: uppercase;
    color: var(--text-light);
    text-align: center;
    margin-bottom: 14px;
    letter-spacing: 0.05em;
}
.insurer-buttons-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
}
.insurer-btn {
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 12px 10px;
    background: var(--navy);
    color: #ffffff !important;
    text-decoration: none !important;
    border-radius: var(--radius);
    font-family: 'Inter', sans-serif;
    font-size: 13px;
    font-weight: 700;
    text-align: center;
    transition: var(--transition);
    line-height: 1.2;
    border: none;
    cursor: pointer;
}
.insurer-btn:hover {
    background: var(--navy-light);
    transform: translateY(-2px);
    box-shadow: 0 6px 18px rgba(30, 58, 95, 0.35);
    color: #ffffff !important;
    text-decoration: none !important;
}
@media (max-width: 480px) {
    .insurer-buttons-grid {
        grid-template-columns: 1fr;
    }
    .form-header h3 {
        font-size: 32px;
    }
}

/* ===== SCROLLBAR ===== */
::-webkit-scrollbar { width: 10px; }
::-webkit-scrollbar-track { background: #f0f4f8; }
::-webkit-scrollbar-thumb {
    background: linear-gradient(180deg, #3C3B6E 0%, #3C3B6E 30%, #B22234 30%, #B22234 50%, #3C3B6E 50%, #3C3B6E 70%, #B22234 70%, #B22234 100%);
    border-radius: 6px;
    border: 2px solid #f0f4f8;
}
* { scrollbar-width: thin; scrollbar-color: #B22234 #3C3B6E; }


/* ============================================================
   NEW SECTIONS - VERSION 12 ENHANCED LAYOUT
   ============================================================ */

/* ===== ANNOUNCEMENT BAR ===== */
.announcement-bar {
    background: linear-gradient(90deg, var(--navy), var(--navy-light));
    color: white;
    text-align: center;
    padding: 10px 24px;
    font-size: 14px;
    font-weight: 500;
    position: relative;
    overflow: hidden;
}
.announcement-bar::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,0.1), transparent);
    animation: shimmer 3s infinite;
}
@keyframes shimmer {
    0% { left: -100%; }
    100% { left: 100%; }
}
.announcement-bar strong { color: var(--orange-light); }
.announcement-bar .close-bar {
    position: absolute;
    right: 20px;
    top: 50%;
    transform: translateY(-50%);
    background: none;
    border: none;
    color: rgba(255,255,255,0.6);
    cursor: pointer;
    font-size: 16px;
}
.announcement-bar .close-bar:hover { color: white; }

/* ===== HERO ENHANCEMENTS ===== */
.hero-section {
    background: linear-gradient(165deg, var(--navy) 0%, var(--navy-dark) 60%, #0f1d30 100%);
    padding: 80px 24px 60px;
    position: relative;
    overflow: hidden;
}
.hero-section::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(249,115,22,0.08) 0%, transparent 70%);
    border-radius: 50%;
    pointer-events: none;
}
.hero-section::after {
    content: '';
    position: absolute;
    bottom: -30%;
    left: -10%;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(34,197,94,0.06) 0%, transparent 70%);
    border-radius: 50%;
    pointer-events: none;
}
.hero-text h1 {
    font-size: clamp(34px, 5vw, 56px);
}
.hero-cta-group {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}
.hero-cta-primary {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 16px 32px;
    background: linear-gradient(135deg, var(--orange), var(--orange-dark));
    color: white;
    text-decoration: none;
    border-radius: var(--radius);
    font-weight: 700;
    font-size: 16px;
    transition: var(--transition);
    border: none;
    cursor: pointer;
}
.hero-cta-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 25px rgba(249,115,22,0.4); }
.hero-cta-secondary {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 16px 32px;
    background: transparent;
    color: white;
    text-decoration: none;
    border-radius: var(--radius);
    font-weight: 600;
    font-size: 16px;
    transition: var(--transition);
    border: 2px solid rgba(255,255,255,0.2);
    cursor: pointer;
}
.hero-cta-secondary:hover { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.4); }
.hero-image-wrapper {
    position: relative;
    display: flex;
    justify-content: center;
    align-items: center;
}
.hero-image-wrapper img {
    max-height: 400px;
    position: relative;
    z-index: 2;
}
.hero-float-card {
    position: absolute;
    background: rgba(255,255,255,0.95);
    backdrop-filter: blur(10px);
    padding: 14px 20px;
    border-radius: var(--radius);
    box-shadow: var(--shadow-lg);
    z-index: 3;
    animation: float 4s ease-in-out infinite;
}
.hero-float-card .float-label {
    font-size: 11px;
    color: var(--text-muted);
    text-transform: uppercase;
    font-weight: 600;
    letter-spacing: 0.05em;
}
.hero-float-card .float-value {
    font-family: 'Outfit', sans-serif;
    font-size: 20px;
    font-weight: 800;
    color: var(--navy);
}
.hero-float-card .float-value span { color: var(--green-accent); font-size: 14px; }
.float-card-1 { top: 10%; left: -10%; animation-delay: 0s; }
.float-card-2 { bottom: 20%; right: -5%; animation-delay: 1.5s; }
.float-card-3 { top: 50%; right: -15%; animation-delay: 0.8s; }
@keyframes float {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-10px); }
}

/* ===== SOCIAL PROOF STRIP ===== */
.social-proof-strip {
    background: var(--bg-alt);
    padding: 20px 24px;
    border-bottom: 1px solid var(--border);
}
.social-proof-inner {
    max-width: var(--max-w);
    margin: auto;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 30px;
    flex-wrap: wrap;
}
.social-proof-text {
    font-size: 14px;
    color: var(--text-light);
    font-weight: 500;
}
.social-proof-text strong { color: var(--navy); }
.social-proof-avatars {
    display: flex;
    align-items: center;
}
.social-proof-avatars img {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    border: 3px solid var(--white);
    margin-left: -10px;
    object-fit: cover;
}
.social-proof-avatars img:first-child { margin-left: 0; }
.social-proof-rating {
    display: flex;
    align-items: center;
    gap: 6px;
    color: var(--orange);
    font-weight: 700;
    font-size: 15px;
}
.social-proof-rating span { color: var(--text-muted); font-weight: 400; font-size: 13px; }

/* ===== LIVE COUNTER ===== */
.live-counter-section {
    background: linear-gradient(135deg, var(--navy), var(--navy-dark));
    padding: 50px 24px;
    position: relative;
    overflow: hidden;
}
.live-counter-section::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0; bottom: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.live-counter-inner {
    max-width: var(--max-w);
    margin: auto;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
    position: relative;
    z-index: 1;
}
.live-counter-item {
    text-align: center;
    color: white;
}
.live-counter-number {
    font-family: 'Outfit', sans-serif;
    font-size: clamp(32px, 4vw, 48px);
    font-weight: 800;
    color: var(--orange);
    line-height: 1;
}
.live-counter-label {
    font-size: 14px;
    color: rgba(255,255,255,0.7);
    margin-top: 8px;
    font-weight: 500;
}
.live-counter-item .live-dot {
    display: inline-block;
    width: 8px;
    height: 8px;
    background: var(--green-accent);
    border-radius: 50%;
    margin-right: 6px;
    animation: pulse 2s infinite;
}
@keyframes pulse {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: 0.5; transform: scale(1.2); }
}

/* ===== STATES ENHANCEMENTS ===== */
.state-card {
    position: relative;
    overflow: hidden;
}
.state-card .state-premium {
    color: var(--green-accent);
}

/* ===== COMPARISON TABLE ===== */
.comparison-section { background: var(--white); padding: 70px 24px; }
.comparison-table-wrapper {
    max-width: 900px;
    margin: 30px auto 0;
    background: var(--white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--border);
}
.comparison-table { width: 100%; border-collapse: collapse; }
.comparison-table th {
    background: var(--navy);
    color: white;
    padding: 16px 20px;
    text-align: left;
    font-weight: 600;
    font-size: 14px;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}
.comparison-table th:last-child { text-align: center; }
.comparison-table td {
    padding: 16px 20px;
    border-bottom: 1px solid var(--border);
    font-size: 15px;
}
.comparison-table tr:last-child td { border-bottom: none; }
.comparison-table tr:hover { background: var(--bg-alt); }
.comparison-table .company-name {
    display: flex;
    align-items: center;
    gap: 12px;
    font-weight: 600;
    color: var(--navy);
}
.comparison-table .company-name a {
    color: inherit;
    text-decoration: none;
    transition: var(--transition);
}
.comparison-table .company-name a:hover { color: var(--orange); text-decoration: underline; }
.comparison-table .company-logo {
    width: 36px;
    height: 36px;
    border-radius: var(--radius-sm);
    background: var(--bg-alt);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 14px;
    font-weight: 700;
    color: var(--navy);
}
.comparison-table .price-cell {
    font-weight: 700;
    color: var(--navy);
    font-family: 'Outfit', sans-serif;
}
.comparison-table .price-cell.best { color: var(--green-accent); }
.comparison-table .rating-cell-inner {
    display: flex;
    align-items: center;
    gap: 4px;
    justify-content: center;
}
.comparison-table .rating-cell-inner i { color: var(--orange); font-size: 12px; }
.comparison-table .badge {
    display: inline-block;
    padding: 4px 12px;
    border-radius: 50px;
    font-size: 12px;
    font-weight: 600;
}
.badge-best { background: rgba(34,197,94,0.1); color: var(--green-dark); }
.badge-good { background: rgba(249,115,22,0.1); color: var(--orange-dark); }
.badge-avg { background: var(--bg-alt); color: var(--text-light); }
.comparison-cta { text-align: center; margin-top: 30px; }

/* ===== BLOG ENHANCEMENTS ===== */
.blog-home-section { background: var(--bg); padding: 70px 24px; }
.blog-card {
    border: 1px solid var(--border);
    transition: var(--transition);
}
.blog-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-xl); }
.blog-thumbnail { position: relative; }
.blog-thumbnail img { transition: transform 0.5s ease; }
.blog-card:hover .blog-thumbnail img { transform: scale(1.08); }
.blog-content { padding: 24px; }
.blog-category {
    display: inline-block;
    padding: 4px 12px;
    background: rgba(249,115,22,0.1);
    color: var(--orange-dark);
    border-radius: 50px;
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: 10px;
}
.blog-content h3 { margin-bottom: 10px; }
.blog-content h3 a {
    color: var(--navy);
    text-decoration: none;
    font-family: 'Outfit', sans-serif;
    font-size: 18px;
    line-height: 1.4;
    transition: color 0.3s;
}
.blog-content h3 a:hover { color: var(--orange); }
.blog-meta {
    font-size: 12px;
    color: var(--text-muted);
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    gap: 4px;
}
.blog-meta i { font-size: 11px; }
.blog-content p {
    color: var(--text-light);
    font-size: 14px;
    line-height: 1.6;
    margin-bottom: 16px;
    display: -webkit-box;
    -webkit-line-clamp: 3;
    -webkit-box-orient: vertical;
    overflow: hidden;
}
.blog-readmore {
    color: var(--orange);
    font-weight: 700;
    text-decoration: none;
    font-size: 14px;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    transition: var(--transition);
}
.blog-readmore:hover { gap: 10px; }
.blog-pagination {
    text-align: center;
    margin-top: 40px;
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 8px;
    flex-wrap: wrap;
}
.blog-pagination .page-numbers {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 44px;
    height: 44px;
    padding: 0 16px;
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    cursor: pointer;
    text-decoration: none;
    color: var(--text);
    font-weight: 500;
    font-size: 14px;
    transition: var(--transition);
}
.blog-pagination .page-numbers:hover {
    background: var(--bg-alt);
    border-color: var(--orange);
    color: var(--orange);
}
.blog-pagination .page-numbers.current {
    background: linear-gradient(135deg, var(--orange), var(--orange-dark));
    color: white;
    border-color: var(--orange);
    font-weight: 700;
}
.blog-pagination .prev, .blog-pagination .next { font-weight: 600; }

/* ===== BENEFITS ENHANCEMENTS ===== */
.card {
    position: relative;
    overflow: hidden;
}
.card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--orange), var(--orange-dark));
    transform: scaleX(0);
    transition: transform 0.3s ease;
}
.card:hover::before { transform: scaleX(1); }
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-xl); }

/* ===== HOW IT WORKS ENHANCEMENTS ===== */
.step { position: relative; }
.step:not(:last-child)::after {
    content: '';
    position: absolute;
    top: 28px;
    right: -12px;
    width: 24px;
    height: 2px;
    background: linear-gradient(90deg, var(--orange), var(--orange-dark));
}

/* ===== TESTIMONIALS ===== */
.testimonials-section {
    background: linear-gradient(180deg, var(--bg), var(--bg-alt));
    padding: 70px 24px;
}
.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    max-width: var(--max-w);
    margin: 30px auto 0;
    padding: 0 24px;
}
.testimonial-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 28px;
    border: 1px solid var(--border);
    transition: var(--transition);
}
.testimonial-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.testimonial-stars { color: var(--orange); font-size: 14px; margin-bottom: 16px; }
.testimonial-text {
    font-size: 15px;
    color: var(--text);
    line-height: 1.7;
    margin-bottom: 20px;
    font-style: italic;
}
.testimonial-author {
    display: flex;
    align-items: center;
    gap: 12px;
}
.testimonial-author img {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    object-fit: cover;
}
.testimonial-author-info h5 {
    font-family: 'Outfit', sans-serif;
    font-size: 15px;
    color: var(--navy);
    margin-bottom: 2px;
}
.testimonial-author-info span {
    font-size: 13px;
    color: var(--text-muted);
}
.testimonial-savings {
    display: inline-block;
    margin-top: 12px;
    padding: 6px 14px;
    background: rgba(34,197,94,0.1);
    color: var(--green-dark);
    border-radius: 50px;
    font-size: 13px;
    font-weight: 600;
}

/* ===== FAQ ENHANCEMENTS ===== */
.faq-item { transition: var(--transition); }
.faq-item:hover { box-shadow: var(--shadow); }
.faq-question {
    align-items: center;
}
.faq-question .faq-number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 28px;
    height: 28px;
    background: var(--orange);
    color: white;
    border-radius: 50%;
    font-size: 13px;
    font-weight: 700;
    margin-right: 12px;
    flex-shrink: 0;
}
.faq-icon { flex-shrink: 0; }
.faq-answer p { font-size: 15px; }
.faq-answer p strong { color: var(--navy); }

/* ===== NEWSLETTER ===== */
.newsletter-section {
    background: linear-gradient(135deg, var(--navy), var(--navy-dark));
    padding: 60px 24px;
    position: relative;
    overflow: hidden;
}
.newsletter-section::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(249,115,22,0.1) 0%, transparent 70%);
    border-radius: 50%;
}
.newsletter-inner {
    max-width: 600px;
    margin: auto;
    text-align: center;
    position: relative;
    z-index: 1;
}
.newsletter-inner h2 {
    font-family: 'Outfit', sans-serif;
    font-size: clamp(24px, 3vw, 32px);
    color: white;
    margin-bottom: 12px;
}
.newsletter-inner p {
    color: rgba(255,255,255,0.7);
    margin-bottom: 28px;
    font-size: 16px;
}
.newsletter-form {
    display: flex;
    gap: 12px;
    max-width: 480px;
    margin: 0 auto;
}
.newsletter-form input {
    flex: 1;
    padding: 14px 20px;
    border: 2px solid rgba(255,255,255,0.2);
    border-radius: var(--radius);
    background: rgba(255,255,255,0.1);
    color: white;
    font-size: 15px;
    outline: none;
    transition: var(--transition);
}
.newsletter-form input::placeholder { color: rgba(255,255,255,0.5); }
.newsletter-form input:focus {
    border-color: var(--orange);
    background: rgba(255,255,255,0.15);
}
.newsletter-form button {
    padding: 14px 28px;
    background: linear-gradient(135deg, var(--orange), var(--orange-dark));
    color: white;
    border: none;
    border-radius: var(--radius);
    font-weight: 700;
    cursor: pointer;
    transition: var(--transition);
    white-space: nowrap;
}
.newsletter-form button:hover { transform: translateY(-2px); box-shadow: 0 8px 25px rgba(249,115,22,0.4); }
.newsletter-disclaimer {
    margin-top: 16px;
    font-size: 12px;
    color: rgba(255,255,255,0.4);
}

/* ===== CTA ENHANCEMENTS ===== */
.cta-section {
    position: relative;
    overflow: hidden;
}
.cta-section::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0; bottom: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.cta-content {
    position: relative;
    z-index: 1;
    max-width: 600px;
    margin: auto;
}
.cta-btn {
    padding: 18px 40px;
    font-size: 16px;
}
.cta-btn:hover { box-shadow: 0 12px 30px rgba(249,115,22,0.4); }

/* ===== FOOTER ENHANCEMENTS ===== */
.site-footer { padding: 50px 24px 20px; }
.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 40px;
    margin-bottom: 40px;
}
.footer-brand {
    text-align: center;
}
.footer-brand-name {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    margin-bottom: 12px;
}
.footer-brand-logo {
    width: 32px;
    height: 32px;
    object-fit: contain;
    border-radius: var(--radius-sm);
}
.footer-brand h3 {
    font-family: 'Outfit', sans-serif;
    font-size: 20px;
    color: white;
    margin-bottom: 0;
}
.footer-brand h3 span { color: var(--orange); }
.footer-brand p {
    color: rgba(255,255,255,0.5);
    font-size: 14px;
    line-height: 1.7;
    max-width: 300px;
    margin-left: auto;
    margin-right: auto;
}
.footer-column h4 {
    font-family: 'Outfit', sans-serif;
    font-size: 15px;
    color: white;
    margin-bottom: 16px;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}
.footer-column ul { list-style: none; }
.footer-column ul li { margin-bottom: 10px; }
.footer-column ul li a {
    color: rgba(255,255,255,0.5);
    text-decoration: none;
    font-size: 14px;
    transition: var(--transition);
}
.footer-column ul li a:hover { color: var(--orange); }
.footer-divider { border-top: 1px solid rgba(255,255,255,0.08); margin: 20px 0; }
.footer-bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 16px;
}
.footer-copyright { color: rgba(255,255,255,0.4); font-size: 13px; }
.footer-social {
    display: flex;
    gap: 12px;
}
.footer-social a {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: rgba(255,255,255,0.06);
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,0.5);
    text-decoration: none;
    transition: var(--transition);
}
.footer-social a:hover {
    background: var(--orange);
    color: white;
    transform: translateY(-2px);
}

/* ===== RESPONSIVE ENHANCEMENTS ===== */
@media (max-width: 1024px) {
    .step:not(:last-child)::after { display: none; }
    .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
    .live-counter-inner { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .hero-float-card { display: none; }
    .blog-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
    .hero-cta-group { justify-content: center; }
    .hero-image-wrapper { order: -1; }
    .hero-image-wrapper img { max-height: 220px; }
    .testimonials-grid { grid-template-columns: 1fr; }
    .live-counter-inner { grid-template-columns: 1fr 1fr; gap: 20px; }
    .footer-grid { grid-template-columns: 1fr; gap: 30px; }
    .newsletter-form { flex-direction: column; }
    .comparison-table-wrapper { overflow-x: auto; }
    .comparison-table { min-width: 600px; }
    .announcement-bar { font-size: 12px; padding: 10px 40px 10px 16px; }
    .social-proof-inner { flex-direction: column; gap: 12px; }
    .blog-grid { grid-template-columns: 1fr; }
    .blog-thumbnail { height: 180px; }
    .footer-bottom { flex-direction: column; text-align: center; }
    .footer-social { justify-content: center; width: 100%; }
}
@media (max-width: 480px) {
    .hero-text h1 { font-size: 24px; }
    .hero-subtitle { font-size: 14px; }
    .hero-image-wrapper img { max-height: 180px; }
    .live-counter-inner { grid-template-columns: 1fr; }
}