/* ===========================================================
   Suraksha Insurance — Shared Stylesheet
   =========================================================== */

:root{
  --navy-900:#061a3a;
  --navy-800:#0b2447;
  --navy-700:#123063;
  --navy-600:#1a3f82;
  --red-600:#e4002b;
  --red-700:#c40025;
  --red-50:#fdecee;
  --gold-500:#f2a900;
  --gray-900:#1b1f27;
  --gray-700:#454b57;
  --gray-500:#6b7280;
  --gray-300:#d8dce3;
  --gray-100:#f2f4f7;
  --white:#ffffff;
  --radius-sm:6px;
  --radius-md:12px;
  --radius-lg:20px;
  --shadow-sm:0 1px 3px rgba(11,36,71,.08);
  --shadow-md:0 8px 24px rgba(11,36,71,.12);
  --shadow-lg:0 20px 48px rgba(11,36,71,.18);
  --container:1180px;
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:'Poppins',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Arial,sans-serif;
  color:var(--gray-900);
  background:var(--white);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block;}
a{text-decoration:none;color:inherit;}
ul{list-style:none;margin:0;padding:0;}
h1,h2,h3,h4{margin:0 0 .5em;font-weight:700;line-height:1.25;color:var(--navy-800);}
p{margin:0 0 1em;color:var(--gray-700);}
.container{max-width:var(--container);margin:0 auto;padding:0 24px;}
section{padding:72px 0;}
.section-tight{padding:48px 0;}
.eyebrow{
  display:inline-block;text-transform:uppercase;letter-spacing:.08em;
  font-size:12.5px;font-weight:700;color:var(--red-600);margin-bottom:10px;
}
.section-head{max-width:640px;margin:0 auto 44px;text-align:center;}
.section-head h2{font-size:clamp(26px,3.2vw,36px);}
.section-head p{font-size:16px;}
.bg-light{background:var(--gray-100);}
.bg-navy{background:linear-gradient(135deg,var(--navy-900),var(--navy-700));color:var(--white);}
.bg-navy h2,.bg-navy h3,.bg-navy p{color:var(--white);}
.text-center{text-align:center;}

/* Buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:13px 28px;border-radius:999px;font-weight:600;font-size:15px;
  border:2px solid transparent;cursor:pointer;transition:.2s ease;white-space:nowrap;
}
.btn-primary{background:var(--red-600);color:var(--white);}
.btn-primary:hover{background:var(--red-700);transform:translateY(-1px);}
.btn-outline{background:transparent;border-color:var(--white);color:var(--white);}
.btn-outline:hover{background:var(--white);color:var(--navy-800);}
.btn-navy{background:var(--navy-800);color:var(--white);}
.btn-navy:hover{background:var(--navy-900);}
.btn-block{width:100%;}
.btn-sm{padding:9px 18px;font-size:13.5px;}

/* ===== Top utility bar ===== */
.topbar{background:var(--navy-900);color:#c9d3e6;font-size:13px;}
.topbar .container{display:flex;justify-content:space-between;align-items:center;padding-top:8px;padding-bottom:8px;}
.topbar a{color:#c9d3e6;}
.topbar .topbar-links{display:flex;gap:20px;}
.topbar .topbar-links span{opacity:.6;margin:0 6px;}

/* ===== Header / Nav ===== */
header.site-header{
  position:sticky;top:0;z-index:100;background:var(--white);
  box-shadow:var(--shadow-sm);
}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;padding:14px 0;}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:21px;color:var(--navy-800);}
.logo .logo-mark{
  width:38px;height:38px;border-radius:10px;
  background:linear-gradient(135deg,var(--red-600),var(--navy-800));
  display:flex;align-items:center;justify-content:center;color:#fff;
}
.logo .logo-mark svg{width:20px;height:20px;}
.logo small{display:block;font-size:10.5px;font-weight:500;color:var(--gray-500);letter-spacing:.04em;}

nav.main-nav ul{display:flex;gap:30px;align-items:center;}
nav.main-nav a{font-weight:600;font-size:14.5px;color:var(--navy-800);padding:8px 0;position:relative;}
nav.main-nav a:hover, nav.main-nav a.active{color:var(--red-600);}
nav.main-nav a.active::after{
  content:"";position:absolute;left:0;right:0;bottom:-2px;height:3px;
  background:var(--red-600);border-radius:2px;
}
.nav-cta{display:flex;align-items:center;gap:12px;}
.nav-toggle{display:none;background:none;border:none;font-size:26px;color:var(--navy-800);cursor:pointer;}

.dropdown{position:relative;}
.dropdown-menu{
  position:absolute;top:100%;left:50%;transform:translateX(-50%);
  background:var(--white);box-shadow:var(--shadow-md);border-radius:var(--radius-md);
  padding:10px;min-width:200px;opacity:0;visibility:hidden;translate:0 8px;
  transition:.18s ease;
}
.dropdown:hover .dropdown-menu{opacity:1;visibility:visible;translate:0 0;}
.dropdown-menu a{display:block;padding:9px 12px;border-radius:8px;font-weight:500;}
.dropdown-menu a:hover{background:var(--gray-100);}

/* ===== Hero ===== */
.hero{
  background:radial-gradient(circle at 15% 20%,var(--navy-700),var(--navy-900) 65%);
  color:#fff;position:relative;overflow:hidden;
}
.hero .container{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center;padding-top:72px;padding-bottom:72px;}
.hero h1{color:#fff;font-size:clamp(30px,4.4vw,48px);margin-bottom:16px;}
.hero p.lead{color:#cfd8ea;font-size:17px;max-width:520px;}
.hero-badges{display:flex;gap:26px;margin-top:28px;flex-wrap:wrap;}
.hero-badges div{font-size:13px;color:#cfd8ea;}
.hero-badges strong{display:block;font-size:22px;color:#fff;}
.hero-actions{display:flex;gap:14px;margin-top:30px;flex-wrap:wrap;}

/* Quote card */
.quote-card{
  background:#fff;color:var(--gray-900);border-radius:var(--radius-lg);
  padding:26px;box-shadow:var(--shadow-lg);
}
.quote-card h3{font-size:18px;margin-bottom:4px;}
.quote-card p.small{font-size:13px;color:var(--gray-500);margin-bottom:18px;}
.quote-tabs{display:flex;gap:8px;margin-bottom:18px;flex-wrap:wrap;}
.quote-tabs button{
  flex:1;min-width:70px;padding:10px 6px;border-radius:10px;border:1.5px solid var(--gray-300);
  background:var(--white);font-size:12.5px;font-weight:600;color:var(--gray-700);cursor:pointer;
  display:flex;flex-direction:column;align-items:center;gap:6px;transition:.15s;
}
.quote-tabs button svg{width:20px;height:20px;}
.quote-tabs button.active{border-color:var(--red-600);background:var(--red-50);color:var(--red-600);}
.quote-form label{display:block;font-size:12.5px;font-weight:600;color:var(--gray-700);margin-bottom:6px;}
.quote-form .field{margin-bottom:14px;}
.quote-form input, .quote-form select{
  width:100%;padding:11px 13px;border:1.5px solid var(--gray-300);border-radius:8px;
  font-size:14px;font-family:inherit;color:var(--gray-900);
}
.quote-form input:focus, .quote-form select:focus{outline:none;border-color:var(--navy-600);}

/* ===== Marquee / trust strip ===== */
.trust-strip{background:var(--gray-100);padding:22px 0;}
.trust-strip .container{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;}
.trust-strip .trust-item{display:flex;align-items:center;gap:10px;font-size:13.5px;font-weight:600;color:var(--navy-800);}
.trust-strip .trust-item svg{width:22px;height:22px;color:var(--red-600);flex-shrink:0;}

/* ===== Product cards ===== */
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;}

.product-card{
  background:var(--white);border:1px solid var(--gray-300);border-radius:var(--radius-lg);
  padding:28px 24px;transition:.2s ease;position:relative;overflow:hidden;
}
.product-card:hover{box-shadow:var(--shadow-md);transform:translateY(-4px);border-color:transparent;}
.product-card .icon{
  width:54px;height:54px;border-radius:14px;background:var(--red-50);color:var(--red-600);
  display:flex;align-items:center;justify-content:center;margin-bottom:18px;
}
.product-card .icon svg{width:28px;height:28px;}
.product-card h3{font-size:19px;margin-bottom:8px;}
.product-card p{font-size:14.5px;margin-bottom:16px;}
.product-card a.card-link{font-weight:700;color:var(--red-600);font-size:14px;display:inline-flex;align-items:center;gap:6px;}
.product-card a.card-link:hover{gap:10px;}

/* ===== Steps ===== */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;counter-reset:step;}
.step{text-align:center;position:relative;}
.step .step-num{
  width:52px;height:52px;border-radius:50%;background:var(--navy-800);color:#fff;
  display:flex;align-items:center;justify-content:center;font-weight:700;font-size:18px;
  margin:0 auto 16px;
}
.step h4{font-size:16px;}
.step p{font-size:13.5px;}

/* ===== Stats ===== */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center;}
.stats .stat strong{display:block;font-size:clamp(28px,3vw,38px);color:var(--red-600);font-weight:800;}
.stats .stat span{font-size:13.5px;color:#cfd8ea;font-weight:600;}

/* ===== Testimonials ===== */
.testi-card{
  background:var(--white);border-radius:var(--radius-lg);padding:26px;box-shadow:var(--shadow-sm);
  border:1px solid var(--gray-300);
}
.testi-stars{color:var(--gold-500);font-size:15px;margin-bottom:12px;letter-spacing:2px;}
.testi-quote{font-size:14.5px;color:var(--gray-700);margin-bottom:18px;}
.testi-person{display:flex;align-items:center;gap:12px;}
.testi-avatar{
  width:42px;height:42px;border-radius:50%;background:var(--navy-800);color:#fff;
  display:flex;align-items:center;justify-content:center;font-weight:700;font-size:15px;
}
.testi-name{font-weight:700;font-size:14px;color:var(--navy-800);}
.testi-loc{font-size:12px;color:var(--gray-500);}

/* ===== Sub-page hero (product pages) ===== */
.page-hero{
  background:linear-gradient(135deg,var(--navy-900),var(--navy-700));
  color:#fff;padding:56px 0;
}
.page-hero .container{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center;}
.page-hero h1{color:#fff;font-size:clamp(28px,3.6vw,42px);}
.breadcrumb{font-size:13px;color:#b9c4dc;margin-bottom:14px;}
.breadcrumb a{color:#b9c4dc;}
.breadcrumb a:hover{color:#fff;}
.page-hero p.lead{color:#dbe3f2;}
.page-hero-visual{
  background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);
  border-radius:var(--radius-lg);padding:30px;backdrop-filter:blur(4px);
}
.page-hero-visual ul li{display:flex;gap:10px;align-items:flex-start;font-size:14.5px;color:#e6ebf5;padding:8px 0;}
.page-hero-visual ul li svg{width:20px;height:20px;color:var(--gold-500);flex-shrink:0;margin-top:2px;}

/* ===== Feature list ===== */
.feature-row{display:flex;gap:18px;padding:18px 0;border-bottom:1px solid var(--gray-300);}
.feature-row:last-child{border-bottom:none;}
.feature-row .icon{
  width:44px;height:44px;border-radius:12px;background:var(--red-50);color:var(--red-600);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}
.feature-row .icon svg{width:22px;height:22px;}
.feature-row h4{font-size:16px;margin-bottom:4px;}
.feature-row p{font-size:14px;margin-bottom:0;}

/* ===== Plan table ===== */
.plan-table{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--radius-md);overflow:hidden;box-shadow:var(--shadow-sm);}
.plan-table th,.plan-table td{padding:16px 18px;text-align:left;font-size:14px;border-bottom:1px solid var(--gray-300);}
.plan-table th{background:var(--navy-800);color:#fff;font-weight:600;}
.plan-table tr:last-child td{border-bottom:none;}
.plan-table td.tick{color:#1c9a5b;font-weight:700;}
.plan-table tbody tr:hover{background:var(--gray-100);}

.plan-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.plan-card{border:1.5px solid var(--gray-300);border-radius:var(--radius-lg);padding:26px;background:#fff;position:relative;}
.plan-card.featured{border-color:var(--red-600);box-shadow:var(--shadow-md);}
.plan-card .ribbon{
  position:absolute;top:-12px;right:20px;background:var(--red-600);color:#fff;font-size:11.5px;
  font-weight:700;padding:5px 12px;border-radius:999px;
}
.plan-card h4{font-size:17px;margin-bottom:4px;}
.plan-card .price{font-size:26px;font-weight:800;color:var(--navy-800);margin:10px 0;}
.plan-card .price span{font-size:13px;color:var(--gray-500);font-weight:500;}
.plan-card ul{margin:16px 0;}
.plan-card ul li{font-size:13.5px;color:var(--gray-700);padding:6px 0;display:flex;gap:8px;}
.plan-card ul li svg{width:16px;height:16px;color:#1c9a5b;flex-shrink:0;margin-top:3px;}

/* ===== FAQ accordion ===== */
.faq-item{border:1px solid var(--gray-300);border-radius:var(--radius-md);margin-bottom:12px;overflow:hidden;}
.faq-q{
  width:100%;text-align:left;background:#fff;border:none;padding:18px 20px;font-weight:600;font-size:15px;
  display:flex;justify-content:space-between;align-items:center;cursor:pointer;color:var(--navy-800);
}
.faq-q .plus{transition:.2s;font-size:20px;color:var(--red-600);}
.faq-item.open .faq-q .plus{transform:rotate(45deg);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .25s ease;background:#fbfcfe;}
.faq-item.open .faq-a{max-height:300px;}
.faq-a p{padding:0 20px 18px;font-size:14px;margin:0;}

/* ===== CTA band ===== */
.cta-band{
  background:linear-gradient(120deg,var(--red-600),#a4001f);
  color:#fff;border-radius:var(--radius-lg);padding:44px;
  display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;
}
.cta-band h3{color:#fff;font-size:24px;margin-bottom:6px;}
.cta-band p{color:#ffd9de;margin:0;}

/* ===== Forms (contact) ===== */
.form-card{background:#fff;border:1px solid var(--gray-300);border-radius:var(--radius-lg);padding:32px;box-shadow:var(--shadow-sm);}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
.field{margin-bottom:16px;}
.field label{display:block;font-size:13px;font-weight:600;color:var(--gray-700);margin-bottom:6px;}
.field input, .field select, .field textarea{
  width:100%;padding:12px 14px;border:1.5px solid var(--gray-300);border-radius:8px;font-family:inherit;font-size:14px;
}
.field textarea{resize:vertical;min-height:110px;}
.field input:focus, .field select:focus, .field textarea:focus{outline:none;border-color:var(--navy-600);}
.form-note{font-size:12.5px;color:var(--gray-500);margin-top:6px;}

/* ===== Branch / contact cards ===== */
.contact-info-card{display:flex;gap:16px;padding:20px;border:1px solid var(--gray-300);border-radius:var(--radius-md);background:#fff;}
.contact-info-card .icon{
  width:44px;height:44px;border-radius:10px;background:var(--navy-800);color:#fff;
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}
.contact-info-card .icon svg{width:22px;height:22px;}
.contact-info-card h4{font-size:15px;margin-bottom:4px;}
.contact-info-card p{font-size:13.5px;margin:0;}

/* ===== Footer ===== */
footer.site-footer{background:var(--navy-900);color:#aab6cc;padding-top:56px;}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1.2fr;gap:32px;padding-bottom:40px;}
.footer-grid h5{color:#fff;font-size:14.5px;margin-bottom:16px;}
.footer-grid ul li{margin-bottom:10px;}
.footer-grid ul li a{font-size:13.5px;color:#aab6cc;}
.footer-grid ul li a:hover{color:#fff;}
.footer-logo{display:flex;align-items:center;gap:10px;color:#fff;font-weight:800;font-size:19px;margin-bottom:14px;}
.footer-social{display:flex;gap:10px;margin-top:16px;}
.footer-social a{
  width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,.08);
  display:flex;align-items:center;justify-content:center;
}
.footer-social a svg{width:16px;height:16px;color:#fff;}
.footer-social a:hover{background:var(--red-600);}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.1);padding:20px 0;font-size:12.5px;
  display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;
}
.irdai-note{font-size:11.5px;color:#7c88a3;line-height:1.7;padding:16px 0;border-top:1px solid rgba(255,255,255,.08);}

/* ===== Utility ===== */
.badge{display:inline-block;background:var(--red-50);color:var(--red-600);font-size:11.5px;font-weight:700;padding:4px 10px;border-radius:999px;text-transform:uppercase;letter-spacing:.03em;}
.mt-0{margin-top:0;}

/* ===== Responsive ===== */
@media (max-width: 980px){
  .grid-4{grid-template-columns:repeat(2,1fr);}
  .grid-3{grid-template-columns:repeat(2,1fr);}
  .steps{grid-template-columns:repeat(2,1fr);}
  .stats{grid-template-columns:repeat(2,1fr);}
  .plan-cards{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr 1fr;}
  .hero .container, .page-hero .container{grid-template-columns:1fr;}
  .page-hero-visual{order:-1;}
}
@media (max-width: 720px){
  nav.main-nav{
    position:fixed;top:64px;left:0;right:0;bottom:0;background:#fff;
    transform:translateX(100%);transition:.25s ease;padding:20px 24px;overflow-y:auto;
  }
  nav.main-nav.open{transform:translateX(0);}
  nav.main-nav ul{flex-direction:column;align-items:flex-start;gap:4px;}
  nav.main-nav ul li{width:100%;}
  nav.main-nav a{display:block;padding:14px 0;border-bottom:1px solid var(--gray-100);}
  .dropdown-menu{position:static;transform:none;opacity:1;visibility:visible;box-shadow:none;display:none;padding-left:12px;}
  .dropdown.open .dropdown-menu{display:block;}
  .nav-toggle{display:block;}
  .nav-cta .btn-sm{display:none;}
  .grid-4,.grid-3,.grid-2,.steps,.stats{grid-template-columns:1fr;}
  .form-row{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr;}
  .cta-band{flex-direction:column;text-align:center;}
  .topbar .topbar-links{display:none;}
}