/* ============================================
   INDEX PAGE - Home Specific Styles
   ============================================ */

/* Hero */
.hero {
  position: relative;
  min-height: 120vh;
  display: flex;
  align-items: center;
  padding: calc(0px + var(--space-3xl)) var(--space-xl) 8rem;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background-image: url('../images/accident.webp');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  filter: blur(4px);
  transform: scale(1.05);
  opacity: 1;
  z-index: 0;
}

.hero-bg::before {
  content: '';
  position: absolute;
  inset: 0;
  background: 
    linear-gradient(135deg, rgba(15, 23, 42, 0.8) 0%, rgba(30, 41, 59, 0.65) 50%, rgba(14, 165, 233, 0.15) 100%),
    radial-gradient(ellipse 80% 50% at 50% -20%, rgba(14, 165, 233, 0.2), transparent),
    radial-gradient(ellipse 60% 40% at 100% 50%, rgba(14, 165, 233, 0.15), transparent);
  pointer-events: none;
}

.hero-inner {
  position: relative;
  z-index: 1;
  width: 100%;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-2xl);
  align-items: stretch;
}

.hero-content {
  text-align: left;
  max-width: 540px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.hero-label {
  display: inline-block;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--color-secondary);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: var(--space-md);
  padding: var(--space-xs) var(--space-md);
  background: rgba(14, 165, 233, 0.15);
  border-radius: var(--radius-full);
  width: fit-content;
}

.hero-title {
  font-size: clamp(2.5rem, 3.5vw, 3rem);
  font-weight: 800;
  color: white;
  line-height: 1.1;
  letter-spacing: -0.03em;
  margin-bottom: var(--space-lg);
}

.hero-highlight {
  background: linear-gradient(90deg, #0ea5e9, #0284c7);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-desc {
  font-size: 1.125rem;
  color: rgba(255, 255, 255, 0.92);
  line-height: 1.75;
  margin-bottom: var(--space-xl);
}

.hero-buttons {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-md);
  justify-content: flex-start;
  align-items: center;
}

.hero-cta-wrap {
  position: relative;
  display: inline-block;
}

.hero-cta-wrap .hero-cta-btn {
  position: relative;
  z-index: 1;
  box-shadow: 0 0 0 0 rgba(14, 165, 233, 0.5);
  animation: hero-cta-pulse 2s ease infinite;
}

.hero-cta-wrap .hero-cta-btn:hover {
  animation: none;
  box-shadow: 0 2px 2px rgba(0, 0, 0, 0.3);
}

@keyframes hero-cta-pulse {
  0% {
    transform: scale(0.95);
    box-shadow: 0 0 0 0 rgba(14, 165, 233, 0.5);
  }
  70% {
    transform: scale(1);
    box-shadow: 0 0 0 25px rgba(14, 165, 233, 0);
  }
  100% {
    transform: scale(0.95);
    box-shadow: 0 0 0 0 rgba(14, 165, 233, 0);
  }
}

.hero-panel {
  background: rgba(15, 23, 42, 0.55);
  border-radius: var(--radius-xl);
  border: 1px solid rgba(255, 255, 255, 0.2);
  padding: var(--space-lg);
  min-height: auto;
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
  align-self: start;
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.2);
  contain: layout style paint;
}

.hero-panel-title {
  font-size: 1.25rem;
  font-weight: 700;
  color: white;
  margin: 0;
  letter-spacing: -0.01em;
}

.hero-panel-intro {
  font-size: 0.9375rem;
  color: rgba(255, 255, 255, 0.9);
  line-height: 1.4;
  margin: 0;
}

.hero-benefits {
  list-style: none;
  margin: 0;
  padding: 0;
}

.hero-benefits li {
  display: flex;
  align-items: flex-start;
  gap: var(--space-sm);
  padding: var(--space-sm) 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  line-height: 1.3;
}

.hero-benefits li:last-of-type {
  border-bottom: none;
}

.hero-benefits li::before {
  content: '✓';
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 20px;
  height: 20px;
  background: rgba(14, 165, 233, 0.5);
  border-radius: var(--radius-full);
  font-size: 0.75rem;
  font-weight: 700;
  color: white;
  margin-top: 1px;
}

.hero-benefit-title {
  display: block;
  font-size: 1rem;
  font-weight: 600;
  color: white;
  margin-bottom: 1px;
}

.hero-benefit-desc {
  display: block;
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.85);
  line-height: 1.3;
}

.hero-panel-trust {
  font-size: 0.8125rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.7);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin: 0;
}

.btn-light {
  border-color: rgba(255, 255, 255, 0.6);
  color: white;
}

.btn-light:hover {
  background: rgba(255, 255, 255, 0.15);
  border-color: white;
  color: white;
}

.hero-stats {
  display: flex;
  align-items: center;
  justify-content: space-evenly;
  flex-wrap: wrap;
  gap: var(--space-md);
  padding-top: var(--space-md);
  margin-top: 0;
  border-top: 1px solid rgba(255, 255, 255, 0.2);
}

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

.hero-stat-num {
  display: block;
  font-size: 1.25rem;
  font-weight: 800;
  color: white;
  line-height: 1.2;
}

.hero-stat-label {
  font-size: 0.8125rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.85);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.hero-stat-divider {
  width: 1px;
  height: 28px;
  background: rgba(255, 255, 255, 0.25);
}

.hero-panel-cta {
  display: flex;
  flex-direction: column;
  gap: 1px;
  padding: var(--space-sm) var(--space-md);
  background: rgba(255, 255, 255, 0.1);
  border-radius: var(--radius-md);
  border: 1px solid rgba(255, 255, 255, 0.2);
  margin-top: 0;
  transition: background var(--transition-fast), border-color var(--transition-fast);
  text-decoration: none;
}

.hero-panel-cta:hover {
  background: rgba(255, 255, 255, 0.15);
  border-color: rgba(255, 255, 255, 0.3);
}

.hero-panel-cta-label {
  font-size: 0.6875rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.8);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

@media (max-width: 992px) {
  .hero-inner {
    grid-template-columns: 1fr;
    gap: var(--space-xl);
  }
  
  .hero-content {
    max-width: 100%;
    text-align: center;
  }
  
  .hero-buttons {
    justify-content: center;
  }
  
  .hero-panel {
    order: 2;
  }
}

@media (max-width: 640px) {
  .hero-panel {
    padding: var(--space-xl);
  }

  .hero-stats {
    padding-top: var(--space-lg);
    margin-top: var(--space-lg);
    justify-content: center;
    gap: var(--space-lg);
  }
  
  .hero-stat-divider {
    display: none;
  }
  
  .hero-stat {
    text-align: center;
  }
  
  .hero-stat-num {
    font-size: 1.5rem;
  }
}

/* Claims Types Section */
.claims-types-section {
  background: linear-gradient(0deg, #172e55 100%);
  padding: var(--space-3xl) var(--space-xl);
}

.claims-types-title {
  font-size: clamp(1.5rem, 2.5vw, 1.875rem);
  font-weight: 800;
  color: white;
  text-align: center;
  margin: 0 0 var(--space-2xl) 0;
  letter-spacing: 0.07rem;
  line-height: 1.2;
}

.claims-types-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-xl) var(--space-2xl);
  max-width: auto;
  margin: 0 auto;
}

.claims-type-item {
  display: flex;
  align-items: center;
  gap: var(--space-lg);
}

.claims-type-icon {
  width: 110px;
  height: 110px;
  min-width: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
}

.claims-type-icon img {
  width: 80px;
  height: 80px;
  object-fit: contain;
  filter: brightness(0) invert(1);
}

.claims-type-label {
  font-size: 1.2rem;
  font-weight: 600;
  color: white;
  line-height: 1.3;
}

@media (max-width: 768px) {
  .claims-types-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 480px) {
  .claims-types-grid {
    grid-template-columns: 1fr;
  }
}

/* Claim Form */
.claim-section {
  position: relative;
  background: linear-gradient(180deg, var(--color-bg) 0%, white 100%);
  overflow: hidden;
}

.claim-section-bubbles {
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: 0;
}

.claim-bubble {
  position: absolute;
  border-radius: 50%;
  background: radial-gradient(circle at 30% 30%, rgba(14, 165, 233, 0.18), rgba(14, 165, 233, 0.08));
  z-index: 0;
}

.claim-bubble--1 {
  width: 180px;
  height: 180px;
  top: 8%;
  left: 5%;
}

.claim-bubble--2 {
  width: 120px;
  height: 120px;
  top: 25%;
  right: 10%;
}

.claim-bubble--3 {
  width: 220px;
  height: 220px;
  bottom: 15%;
  left: -4%;
}

.claim-bubble--4 {
  width: 100px;
  height: 100px;
  bottom: 30%;
  right: 15%;
}

.claim-bubble--5 {
  width: 160px;
  height: 160px;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  opacity: 0.5;
}

.claim-bubble--6 {
  width: 140px;
  height: 140px;
  top: 12%;
  right: 25%;
}

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

.claim-section-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3xl);
  align-items: center;
  max-width: 1200px;
  margin: 0 auto;
}

.claim-section-image-wrap {
  position: relative;
  width: 100%;
  max-width: 420px;
  aspect-ratio: 1;
  border-radius: 50%;
  overflow: hidden;
  box-shadow: 0 8px 32px rgba(15, 23, 42, 0.12), 0 4px 16px rgba(14, 165, 233, 0.15);
  justify-self: center;
}

.claim-section-image {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.claim-section-content {
  min-width: 0;
}

.claim-intro {
  text-align: left;
  margin-bottom: var(--space-2xl);
}

.claim-intro .section-desc {
  text-align: justify;
  line-height: 1.65;
  hyphens: auto;
}

.claim-form {
  background: var(--color-card-bg);
  padding: var(--space-2xl);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--color-border);
}

.claim-form .form-group {
  text-align: left;
}

.claim-form .form-label {
  text-align: left;
  display: block;
}

.claim-form .form-input,
.claim-form .form-select {
  width: 100%;
  text-align: left;
  box-sizing: border-box;
}

.claim-form .form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-lg);
  align-items: end;
}

.claim-form .form-checkbox {
  display: flex;
  align-items: flex-start;
  gap: var(--space-md);
  text-align: justify;
}

.claim-form .form-checkbox label {
  text-align: justify;
  line-height: 1.6;
  hyphens: auto;
  flex: 1;
  min-width: 0;
}

.claim-form-message {
  margin-top: var(--space-md);
  padding: var(--space-md);
  border-radius: var(--radius-md);
  font-size: 0.9375rem;
  line-height: 1.4;
}

.claim-form-message--success {
  background: #d4edda;
  color: #155724;
  border: 1px solid #c3e6cb;
}

.claim-form-message--error {
  background: #f8d7da;
  color: #721c24;
  border: 1px solid #f5c6cb;
}

/* Claim submit button: unclickable until form is valid */
#claim-submit-btn.claim-submit-btn[disabled],
#claim-submit-btn.claim-submit-btn:disabled {
  opacity: 0.5;
  cursor: not-allowed;
  pointer-events: none;
  transform: none;
  box-shadow: 0 1px 2px rgba(0, 0, 0, 0.2);
  background: #94a3b8;
  color: #cbd5e1;
}
#claim-submit-btn.claim-submit-btn[disabled]:hover,
#claim-submit-btn.claim-submit-btn:disabled:hover {
  transform: none;
  box-shadow: 0 1px 2px rgba(0, 0, 0, 0.2);
  background: #94a3b8;
  color: #cbd5e1;
}

@media (max-width: 900px) {
  .claim-section-layout {
    grid-template-columns: 1fr;
    gap: var(--space-2xl);
  }

  .claim-section-image-wrap {
    max-width: 320px;
    justify-self: center;
  }

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

  .claim-intro .section-desc {
    text-align: justify;
  }

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

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-lg);
}

/* Overlap Cards Section - half on hero, half on white */
.overlap-cards-section {
  margin-top: -120px;
  position: relative;
  z-index: 10;  
}

.overlap-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-2xl);
  max-width: 11000px;
  margin: 0 auto;
}

.overlap-card {
  background: var(--color-card-bg);
  padding: 2rem 1.5rem 0.5rem 1.5rem;
  border-radius: 20px 20px 20px 20px;
  text-align: center;
  box-shadow: 0 2px 2px rgba(15, 23, 42, 0.06), 0 2px 2px rgba(0, 0, 0, 0.04);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-lg);
  min-height: 300px;
  border: 1px solid rgba(0, 0, 0, 0.04);
}

.overlap-card-title {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--color-primary);
  line-height: 1.3;
  margin: 0;
} 

.overlap-card-title span {
  color: var(--color-secondary);
  display: block;
}

.overlap-card-desc {
  font-size: 1.1rem;
  color: var(--color-primary-light);
  line-height: 1.55;
  margin: 0;
}

/* Read more card - description specific styles */
.overlap-card-desc--readmore {
  padding-top: 0.5rem;
}

/* Law Society Accredited badge - image */
.overlap-card-badge.overlap-card-accredited {
  width: 90px;
  height: 90px;
  object-fit: contain;
  flex-shrink: 0;
  display: block;
  margin-top: -0.5rem;
}

/* Read more button */
.overlap-card-btn {
  display: inline-block;
  padding: 1rem 2.5rem;
  background: #bdbdbd;
  margin-top: 1.5rem;
  color: white;
  font-size: 1.125rem;
  font-weight: 600;
  text-decoration: none;
  border-radius: var(--radius-lg);
  transition: background var(--transition-fast), border-color var(--transition-fast);
}

.overlap-card-btn:hover {
  background: #0ea5e9;
  border-color: #999;
}

/* Success rate badge - pink circular */
.overlap-card-badge.overlap-card-success {
  width: 90px;
  height: 90px;
  border-radius: 50%;
  background: linear-gradient(145deg, #ec4899 0%, #db2777 50%, #be185d 100%);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  border: 3px solid rgba(255, 255, 255, 0.5);
}

.overlap-card-success .success-top {
  font-size: 0.5rem;
  font-weight: 800;
  color: rgba(255, 255, 255, 0.95);
  text-transform: uppercase;
  letter-spacing: 0.15em;
  margin-bottom: 0.15rem;
}

.overlap-card-success .success-rate {
  font-size: 1.5rem;
  font-weight: 900;
  color: white;
  line-height: 1;
  letter-spacing: -0.02em;
  text-shadow: 0 1px 2px rgba(0, 0, 0, 0.2);
}

.overlap-card-success .success-bottom {
  font-size: 0.5rem;
  font-weight: 800;
  color: rgba(255, 255, 255, 0.95);
  text-transform: uppercase;
  letter-spacing: 0.15em;
  margin-top: 0.15rem;
}

@media (max-width: 900px) {
  .overlap-cards-grid {
    grid-template-columns: 1fr;
  }

  .overlap-cards-section {
    margin-top: -100px;
    background: linear-gradient(to bottom, transparent 0, transparent 100px, white 100px, white 100%);
  }
}

/* How it Works Section */
.how-it-works-section {
  position: relative;
  padding: var(--space-3xl) var(--space-xl);
  background: linear-gradient(315deg, rgba(14, 165, 233, 0.06) 0%, rgba(255, 255, 255, 0.4) 50%, rgba(14, 165, 233, 0.1) 100%);
  overflow: hidden;
}

.how-it-works-section::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: 0;
  background: linear-gradient(315deg,
    rgba(14, 165, 233, 0.08) 0%,
    rgba(255, 255, 255, 0.5) 15%,
    rgba(14, 165, 233, 0.12) 30%,
    rgba(255, 255, 255, 0.4) 45%,
    rgba(14, 165, 233, 0.08) 60%,
    rgba(255, 255, 255, 0.45) 75%,
    rgba(14, 165, 233, 0.1) 90%,
    rgba(255, 255, 255, 0.35) 100%);
  background-size: 300% 300%;
  animation: how-it-works-gradient-flow 15s linear infinite;
  pointer-events: none;
}

.how-it-works-section .container {
  position: relative;
  z-index: 1;
}

@keyframes how-it-works-gradient-flow {
  0% { background-position: 100% 100%; }
  100% { background-position: 0% 0%; }
}

.how-it-works-header {
  text-align: center;
  margin-bottom: var(--space-2xl);
}

.how-it-works-header .section-title {
  color: var(--color-primary);
}

.how-it-works-steps {
  display: flex;
  flex-direction: column;
  gap: var(--space-xl);
  max-width: 720px;
  margin: 0 auto;
}

.how-it-works-step {
  display: flex;
  align-items: flex-start;
  gap: var(--space-xl);
  text-align: left;
}

.how-it-works-step-icon {
  flex-shrink: 0;
  width: 100px;
  height: 100px;
  border-radius: 50%;
  background: var(--color-secondary);
  color: white;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 12px rgba(14, 165, 233, 0.35);
  border: 3px solid rgba(255, 255, 255, 0.4);
  transform-origin: center center;
  transition: transform 0.4s cubic-bezier(0.34, 1.56, 0.64, 1), box-shadow 0.35s ease;
}

.how-it-works-step:hover .how-it-works-step-icon {
  transform: scale(1.08) rotate(8deg);
  box-shadow: 0 6px 20px rgba(14, 165, 233, 0.45);
}

.how-it-works-step-icon svg {
  width: 48px;
  height: 48px;
}

.how-it-works-step-card {
  flex: 1;
  background: white;
  padding: var(--space-lg) var(--space-xl);
  border-radius: 12px;
  box-shadow: 0 2px 8px rgba(15, 23, 42, 0.06), 0 4px 16px rgba(15, 23, 42, 0.04);
  border: 1px solid rgba(15, 23, 42, 0.05);
  transform-origin: center center;
  transition: transform 0.4s cubic-bezier(0.34, 1.56, 0.64, 1), box-shadow var(--transition-base);
}

.how-it-works-step-card:hover {
  transform: scale(1.02);
  box-shadow: 0 4px 16px rgba(15, 23, 42, 0.08), 0 8px 24px rgba(15, 23, 42, 0.06);
}

.how-it-works-step-title {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-primary);
  margin: 0 0 var(--space-sm) 0;
  line-height: 1.3;
}

.how-it-works-step-desc {
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  line-height: 1.6;
  margin: 0;
}

@media (max-width: 640px) {
  .how-it-works-step {
    flex-direction: column;
    align-items: center;
    text-align: center;
  }

  .how-it-works-step-card {
    text-align: left;
  }
}

@media (max-width: 640px) {
  .form-row {
    grid-template-columns: 1fr;
  }
}

.btn-full {
  width: 100%;
  margin-top: var(--space-md);
  padding: var(--space-lg);
}

/* Features */
.features-section {
  background: linear-gradient(180deg, var(--color-bg) 0%, #f1f5f9 100%);
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: var(--space-2xl);
}

.feature-card {
  position: relative;
  background: var(--color-card-bg);
  padding: 2rem 1.75rem;
  border-radius: 20px;
  box-shadow: 0 8px 8px rgba(15, 23, 42, 0.1);
  border: 1px solid rgba(15, 23, 42, 0.06);
  transition: transform var(--transition-base), box-shadow var(--transition-base);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  text-align: left;
  overflow: hidden;
}

.feature-card::before,
.feature-card::after {
  content: '';
  position: absolute;
  width: 100%;
  height: 100%;
  top: 0;
  left: 0;
  background: rgba(14, 165, 233, 0.12);
  z-index: 0;
  transition: transform 0.5s ease;
  pointer-events: none;
}

.feature-card::before {
  clip-path: polygon(0 0, 100% 0, 0 100%);
  transform-origin: top;
  transform: scale(0);
}

.feature-card::after {
  clip-path: polygon(100% 100%, 0 100%, 100% 0);
  transform-origin: bottom;
  transform: scale(0);
}

.feature-card:hover::before,
.feature-card:hover::after {
  transform: scale(1);
}

.feature-card .feature-icon,
.feature-card h3,
.feature-card p {
  position: relative;
  z-index: 1;
}

.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 10px 8px rgba(15, 23, 42, 0.08);
}

.feature-icon {
  width: 46px;
  height: 46px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-secondary);
  border-radius: 16px;
  margin-bottom: 1.25rem;
  flex-shrink: 0;
  transition: transform 0.3s ease, background 0.3s ease, box-shadow 0.3s ease;
}

.feature-card:hover .feature-icon {
  background: transparent;
  border-color: transparent;
  color: #172e55;
  scale: 1.2;
  transition: scale 0.5s ease-in-out;
}

.feature-card:hover h3 {
  color: #0ea5e9;
}

.feature-card:hover p {
  color: #172e55;
}

.feature-icon svg {
  width: 38px;
  height: 38px;
}

.feature-card h3 {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--color-primary);
  margin: 0 0 0.5rem 0;
  line-height: 1.3;
}

.feature-card p {
  font-size: 0.9375rem;
  color: var(--color-text-muted);
  line-height: 1.65;
  margin: 0;
}

/* FAQ */
.faq-list {
  max-width: 720px;
  margin: 0 auto;
}

.faq-item {
  background: var(--color-card-bg);
  border-radius: var(--radius-lg);
  margin-bottom: var(--space-md);
  border: 1px solid var(--color-border);
  overflow: hidden;
  transition: box-shadow var(--transition-fast);
}

.faq-item:hover {
  box-shadow: var(--shadow-md);
}

.faq-item summary {
  padding: var(--space-lg) var(--space-xl);
  font-weight: 600;
  font-size: 1.0625rem;
  color: var(--color-primary);
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: background var(--transition-fast);
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary::after {
  content: '+';
  font-size: 1.5rem;
  font-weight: 400;
  color: var(--color-secondary);
  transition: transform 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

.faq-item[open] summary::after {
  transform: rotate(45deg);
}

.faq-item[open] summary {
  background: var(--color-bg);
}

.faq-item p {
  padding: 0 var(--space-xl) var(--space-xl);
  padding-top: 0.25rem;
  color: var(--color-text-muted);
  line-height: 1.75;
  max-width: 65ch;
  animation: faq-answer-in 0.35s ease-out;
}

@keyframes faq-answer-in {
  from {
    opacity: 0;
    transform: translateY(-6px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* CTA Section */
.cta-section {
  position: relative;
  max-width: 1300px;
  margin: var(--space-2xl) auto;
  padding: var(--space-2xl) var(--space-xl);
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-light) 50%, #0f172a 100%);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: 0 8px 32px rgba(15, 23, 42, 0.2);
}

.cta-section-bg {
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 80% 50% at 50% 100%, rgba(14, 165, 233, 0.15) 0%, transparent 50%),
              radial-gradient(ellipse 60% 40% at 0% 50%, rgba(14, 165, 233, 0.08) 0%, transparent 50%),
              radial-gradient(ellipse 60% 40% at 100% 50%, rgba(14, 165, 233, 0.08) 0%, transparent 50%);
  pointer-events: none;
  z-index: 0;
}

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

.cta-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: var(--space-2xl);
  align-items: center;
}

.cta-text {
  text-align: left;
}

.cta-label {
  display: inline-block;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--color-secondary);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  margin-bottom: var(--space-sm);
}

.cta-title {
  font-size: clamp(1.5rem, 3vw, 2.25rem);
  font-weight: 800;
  color: white;
  margin: 0 0 var(--space-md) 0;
  line-height: 1.2;
  letter-spacing: -0.02em;
}

.cta-desc {
  font-size: 1rem;
  color: rgba(255, 255, 255, 0.88);
  line-height: 1.6;
  margin: 0;
}

.cta-actions {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-xl);
}

.cta-contact-cards {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: var(--space-lg);
  width: 100%;
  max-width: 520px;
}

.cta-contact-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: var(--space-sm);
  padding: var(--space-xl) var(--space-lg);
  min-width: 0;
  max-width: 280px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-xl);
  text-decoration: none;
  transition: background 0.25s ease, border-color 0.25s ease, transform 0.25s ease, box-shadow 0.25s ease;
}

.cta-contact-card:hover {
  background: rgba(255, 255, 255, 0.14);
  border-color: rgba(14, 165, 233, 0.5);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.2);
}

.cta-contact-icon {
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(14, 165, 233, 0.25);
  border-radius: 50%;
  color: var(--color-secondary);
  flex-shrink: 0;
}

.cta-contact-icon svg {
  width: 24px;
  height: 24px;
}

.cta-contact-label {
  font-size: 0.75rem;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.7);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.cta-contact-value {
  font-size: 0.835rem;
  font-weight: 600;
  color: white;
  text-align: center;
  word-break: break-word;
  line-height: 1.35;
}

.cta-btn {
  background: linear-gradient(135deg, var(--color-secondary) 0%, var(--color-accent) 100%);
  color: white;
  padding: 1rem 2rem;
  font-size: 1.125rem;
  font-weight: 600;
  border-radius: var(--radius-lg);
  border: none;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.cta-btn:hover {
  transform: translateY(-4px);
  box-shadow: 0 4px 4px rgba(0, 0, 0, 0.2);
  color: white;
}

@media (max-width: 768px) {
  .cta-grid {
    grid-template-columns: 1fr;
    gap: var(--space-xl);
  }

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

  .cta-actions {
    align-items: center;
  }

  .cta-contact-cards {
    max-width: 100%;
  }
}

@media (max-width: 480px) {
  .cta-contact-card {
    max-width: 100%;
    flex-direction: row;
    justify-content: flex-start;
    text-align: left;
    gap: var(--space-md);
  }

  .cta-contact-card .cta-contact-value {
    text-align: left;
  }
}

/* ============================================
   Scroll-triggered section animations
   ============================================ */
main > section:not(.hero) {
  opacity: 0;
  transform: translateY(32px);
  transition: opacity 0.6s ease-out, transform 0.6s ease-out;
}

main > section.hero {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.6s ease-out, transform 0.6s ease-out;
}

main > section.is-visible {
  opacity: 1;
  transform: translateY(0);
}

/* Stagger children for sections with grids/cards */
.overlap-cards-section.is-visible .overlap-card,
.features-section.is-visible .feature-card,
.claims-types-section.is-visible .claims-type-item,
.how-it-works-section.is-visible .how-it-works-step,
.faq-section.is-visible .faq-item {
  animation: scroll-fade-up 0.6s ease-out forwards;
}

.overlap-cards-section .overlap-card { opacity: 0; }
.overlap-cards-section.is-visible .overlap-card:nth-child(1) { animation-delay: 0.1s; }
.overlap-cards-section.is-visible .overlap-card:nth-child(2) { animation-delay: 0.2s; }
.overlap-cards-section.is-visible .overlap-card:nth-child(3) { animation-delay: 0.3s; }

.features-section .feature-card { opacity: 0; }
.features-section.is-visible .feature-card:nth-child(1) { animation-delay: 0.05s; }
.features-section.is-visible .feature-card:nth-child(2) { animation-delay: 0.15s; }
.features-section.is-visible .feature-card:nth-child(3) { animation-delay: 0.25s; }
.features-section.is-visible .feature-card:nth-child(4) { animation-delay: 0.35s; }

.claims-types-section .claims-type-item { opacity: 0; }
.claims-types-section.is-visible .claims-type-item:nth-child(1) { animation-delay: 0.05s; }
.claims-types-section.is-visible .claims-type-item:nth-child(2) { animation-delay: 0.1s; }
.claims-types-section.is-visible .claims-type-item:nth-child(3) { animation-delay: 0.15s; }
.claims-types-section.is-visible .claims-type-item:nth-child(4) { animation-delay: 0.2s; }
.claims-types-section.is-visible .claims-type-item:nth-child(5) { animation-delay: 0.25s; }
.claims-types-section.is-visible .claims-type-item:nth-child(6) { animation-delay: 0.3s; }
.claims-types-section.is-visible .claims-type-item:nth-child(7) { animation-delay: 0.35s; }
.claims-types-section.is-visible .claims-type-item:nth-child(8) { animation-delay: 0.4s; }

.how-it-works-section .how-it-works-step { opacity: 0; }
.how-it-works-section.is-visible .how-it-works-step:nth-child(1) { animation-delay: 0.1s; }
.how-it-works-section.is-visible .how-it-works-step:nth-child(2) { animation-delay: 0.25s; }
.how-it-works-section.is-visible .how-it-works-step:nth-child(3) { animation-delay: 0.4s; }

.faq-section .faq-item { opacity: 0; }
.faq-section.is-visible .faq-item { animation-delay: 0.05s; }
.faq-section.is-visible .faq-item:nth-child(1) { animation-delay: 0.05s; }
.faq-section.is-visible .faq-item:nth-child(2) { animation-delay: 0.1s; }
.faq-section.is-visible .faq-item:nth-child(3) { animation-delay: 0.15s; }
.faq-section.is-visible .faq-item:nth-child(4) { animation-delay: 0.2s; }
.faq-section.is-visible .faq-item:nth-child(5) { animation-delay: 0.25s; }
.faq-section.is-visible .faq-item:nth-child(6) { animation-delay: 0.3s; }

@keyframes scroll-fade-up {
  from {
    opacity: 0;
    transform: translateY(24px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}