*{
margin:0;
padding:0;
box-sizing:border-box;
font-family:'Poppins',sans-serif;
}

body{
font-family: 'Poppins', sans-serif;

}

html{
scroll-behavior:smooth;
} 




.insurance-hero{
  padding: calc(var(--navbar-height, 82px) + 24px) 20px 100px;
  background:linear-gradient(135deg,#1f9db5,#7a77d9);
  color:white;
  overflow:hidden;
  position:relative;
  isolation:isolate;
}

.insurance-hero-video{
  position:absolute;
  inset:0;
  z-index:0;
  width:100%;
  height:100%;
  min-width: 100%;
  min-height: 100%;
  object-fit:cover;
  object-position: center center;
}

.insurance-hero::before{
  content:"";
  position:absolute;
  inset:0;
  z-index:1;
  background:linear-gradient(90deg,rgba(5,24,59,.87),rgba(5,24,59,.55));
}
.hero-container{
  max-width:1200px;
  margin:auto;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:60px;
  position:relative;
  z-index:2;
}

/* Left */

.hero-left{
  flex:1;
}

.hero-left h1{
  font-size:42px;
  font-weight:700;
  line-height:1.3;
  margin-bottom:20px;
}

.hero-left span{
  color:#ffd84d;
}

.hero-left p{
  font-size:16px;
  max-width:500px;
  margin-bottom:30px;
}

/* Stats */

.hero-stats{
  display:flex;
  gap:15px;
  flex-wrap:wrap;
}

.stat-box{
  padding:10px 18px;
  border-radius:8px;
  border:1px solid rgba(255,255,255,0.4);
  font-size:14px;
  backdrop-filter:blur(6px);
}

/* Right */

.hero-right{
  flex:1;
  position:relative;
  height:420px;
}

.hero-img{
  width:250px;
  height:auto;
  border-radius:10px;
  position:absolute;
  box-shadow:0 10px 25px rgba(0,0,0,0.25);
}

.img1{
  top:20px;
  left:30px;
}

.img2{
  top:100px;
  left:230px;
}

.img3{
  top:220px;
  left:120px;
  height: 250px;
}

/* @media(max-width:992px){

.hero-container{
flex-direction:column;
text-align:center;
}

.hero-left p{
margin:auto;
}

.hero-stats{
justify-content:center;
}

.hero-right{
height:280px;
margin-top:30px;
}

}

@media(max-width:600px){

.hero-left h1{
font-size:30px;
}

.hero-img{
  width:170px;
}

.img1{ left:10px; }
.img2{ left:120px; top:80px; }
.img3{ left:60px; top:160px; }
}
@media(max-width:768px){

.hero-container{
flex-direction:column;
text-align:center;
}

.hero-right{
position:static;
height:auto;
display:flex;
flex-wrap:wrap;
gap:15px;
justify-content:center;
margin-top:40px;
}

.hero-img{
position:static;
width:150px;
}

} */
.scroll-animate{
opacity:0;
transform:translateY(40px);
transition:all .8s ease;
}

.scroll-animate.active{
opacity:1;
transform:translateY(0);
}

/* ================== LARGE LAPTOP (1200px ↓) ================== */
@media (max-width: 1200px) {

    .hero-container {
        gap: 40px;
    }

    .hero-left h1 {
        font-size: 36px;
    }

    .hero-right {
        height: 380px;
    }

    .hero-img {
        width: 220px;
    }

    .img2 {
        left: 200px;
    }

    .img3 {
        left: 100px;
    }
}


/* ================== TABLET (992px ↓) ================== */
@media (max-width: 992px) {

    .hero-container {
        flex-direction: column;
        text-align: center;
        gap: 40px;
    }

    .hero-left p {
        margin: 0 auto 25px;
    }

    .hero-stats {
        justify-content: center;
    }

    .hero-right {
        height: 350px;
    }

    .hero-img {
        width: 200px;
    }

    .img1 {
        left: 20px;
    }

    .img2 {
        left: 160px;
        top: 90px;
    }

    .img3 {
        left: 80px;
        top: 200px;
    }
}


/* ================== MOBILE (768px ↓) ================== */
@media (max-width: 768px) {

    .insurance-hero {
        padding: calc(var(--navbar-height, 70px) + 24px) 20px 60px;
    }

    .hero-left h1 {
        font-size: 28px;
    }

    .hero-left p {
        font-size: 14px;
    }

    .hero-right {
        height: auto;
        position: static;   /* remove absolute stacking */
        display: flex;
        justify-content: center;
        gap: 10px;
        flex-wrap: wrap;
    }

    .hero-img {
        position: static;
        width: 140px;
    }

    .img3 {
        height: auto;
    }
}


/* ================== SMALL MOBILE (480px ↓) ================== */
@media (max-width: 480px) {

    .hero-left h1 {
        font-size: 22px;
    }

    .hero-left p {
        font-size: 13px;
    }

    .stat-box {
        font-size: 12px;
        padding: 8px 12px;
    }

    .hero-img {
        width: 120px;
    }
}


/* ================== EXTRA SMALL (360px ↓) ================== */
@media (max-width: 360px) {

    .hero-left h1 {
        font-size: 20px;
    }

    .hero-img {
        width: 100px;
    }
}


.insurance-simple{
  padding-top:40px;
  padding-bottom:40px;
  background:#f7f7f7;
}

.container{
  max-width:1200px;
  margin:auto;
}

.section-title{
  text-align:center;
  font-size:30px;
  font-weight:700;
  margin-bottom:50px;
  padding-top:20px;
  padding-bottom:40px;
}

.insurance-types{
  display:flex;
  justify-content:center;
  flex-wrap:wrap;
  gap:35px;
}

.type-card{
  width:200px;
  height:200px;
  background:white;
  border-radius:12px;
  border: 1px solid #e2e8f0;
  display:flex;
  flex-direction:column;
  justify-content:center;
  align-items:center;
  box-shadow:0 5px 15px rgba(0,0,0,0.08);
  transition:all .3s ease;
}

.type-card img{
  width:40px;
  margin-bottom:8px;
  filter: drop-shadow(0 2px 4px rgba(11,27,102,0.12));
}

.type-card p{
  font-size:14px;
  font-weight:500;
}

/* Hover Effect */

.type-card:hover{
  transform:translateY(-6px);
  box-shadow:0 10px 20px rgba(0,0,0,0.15);
}

@media(max-width:768px){

.section-title{
  font-size:24px;
}

.insurance-types{
  gap:20px;
}

.type-card{
  width:100px;
  height:100px;
}

.type-card img{
  width:32px;
}

}

.scroll-animate{
  opacity:0;
  transform:translateY(40px);
  transition:all .8s ease;
}

.scroll-animate.active{
  opacity:1;
  transform:translateY(0);
}



.product-features{
  padding-top:10px;
  padding-bottom:30px;
  background:#f7f7f7;
}

.section-title{
  text-align:center;
  font-size:30px;
  margin-bottom:30px;
  padding-top:5px;
  padding-bottom:30px;
}

/* Tabs */

.feature-tabs{
  display:flex;
  justify-content:center;
  gap:15px;
  margin-bottom:40px;
}

.tab-btn{
  padding:10px 24px;
  border:none;
  border-radius:20px;
  background:#e5edf0;
  cursor:pointer;
  font-weight:500;
}

.tab-btn.active{
  background:#a7c9d0;
}

/* Grid */

.features-grid{
  display:none;
  grid-template-columns:repeat(3,1fr);
  gap:30px;
}

.features-grid.active{
  display:grid;
}

/* Card */

.feature-card{
  background:#dce8ec;
  padding:30px;
  border-radius:12px;
  text-align:center;
  box-shadow:0 6px 15px rgba(0,0,0,0.08);
  transition:all .3s ease;
}

.feature-card img{
  width:140px;
  margin-bottom:15px;
}

.feature-card h3{
  font-size:18px;
  margin-bottom:10px;
}

.feature-card p{
  font-size:18px;
  color:#555;
  line-height:1.6;
}

.feature-card:hover{
  transform:translateY(-6px);
}

@media(max-width:992px){

.features-grid{
grid-template-columns:repeat(2,1fr);
}

}

@media(max-width:600px){

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

.section-title{
font-size:24px;
}

}

.view-plan-wrapper{
  text-align:center;
  margin-top:40px;
}

.view-plan-btn{
  background:#a7c9d0;
  border:none;
  padding:10px 28px;
  border-radius:8px;
  font-size:14px;
  font-weight:550;
  cursor:pointer;
  transition:all .3s ease;
  text-decoration: none;
  color: rgb(0, 0, 0);

}

.view-plan-btn:hover{
  background:#8bb9c2;
  transform:translateY(-2px);
}

@media(max-width:768px){

.view-plan-btn{
padding:10px 22px;
font-size:13px;
}

}   



.join-us{
  padding-top:10px;
  padding-bottom:20px;
  background:#ffffff;

}

.join-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:30px;
}

.join-card{
  background:#e4eef1;
  padding:30px;
  border-radius:14px;
  text-align:center;
  transition:all .3s ease;
  box-shadow:0 6px 15px rgba(0,0,0,0.08);
}

.join-card img{
  width:200px;
  margin-bottom:20px;
}

.join-card h3{
  font-size:20px;
  margin-bottom:10px;
}

.join-card p{
  font-size:18px;
  color:#555;
  line-height:1.6;
}

.join-card:hover{
  transform:translateY(-8px);
  box-shadow:0 12px 25px rgba(0,0,0,0.15);
}

@media(max-width:992px){

.join-grid{
grid-template-columns:repeat(2,1fr);
}

}

@media(max-width:600px){

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

.join-card img{
width:160px;
}

.section-title{
font-size:24px;
}

}

@media(max-width:992px){

.join-grid{
grid-template-columns:repeat(2,1fr);
}

}

@media(max-width:600px){

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

.join-card img{
width:160px;
}

.section-title{
font-size:24px;
}

}

.scroll-animate{
opacity:0;
transform:translateY(40px);
transition:all .8s ease;
}

.scroll-animate.active{
opacity:1;
transform:translateY(0);
}

.protection-plan{
padding:50px 20px 60px;
background:#f5f6f7;
}

.section-title{
text-align:center;
font-size:40px;
font-weight:700;
margin-bottom:10px;
}

.section-sub{
text-align:center;
color:#777;
margin-bottom:60px;
}

.plan-grid{
display:grid;
grid-template-columns:repeat(3,1fr);
gap:30px;
max-width:1200px;
margin:0 auto;
width:100%;
}

.plan-card{
background:white;
padding:30px;
border-radius:14px;
box-shadow:0 8px 20px rgba(0,0,0,0.08);
transition:0.3s;
width:100%;
box-sizing:border-box;
}

.plan-card:hover{
transform:translateY(-6px);
}

.plan-title{
font-weight:700;
font-size:18px;
margin-bottom:10px;
}

.plan-desc{
color:#666;
font-size:15px;
margin-bottom:20px;
}

.coverage-box{
background:#dceaf0;
padding:20px;
line-height: 25px;
border-radius:10px;
margin-bottom:20px;
text-align:center;
}

.coverage-box h4{
color:#2c8b5e;
}

.coverage-box h5{
margin-top:5px;
}

.plan-features{
font-size:18px;
color:#555;
margin-bottom:20px;
}

.plan-features li{
margin-bottom:8px;
}

.plan-btn{
background:#2f8f46;
color:white;
padding:12px;
border-radius:8px;
text-align:center;
font-size:14px;
}

@media(max-width:992px){
.protection-plan{
padding:40px 20px;
}
.plan-grid{
grid-template-columns:repeat(2,1fr);
gap:24px;
max-width:800px;
margin:0 auto;
transform:none;
}
}

@media(max-width:768px){
.plan-grid{
grid-template-columns:1fr;
max-width:460px;
margin:0 auto;
transform:none;
gap:22px;
}
}

.scroll-animate{
opacity:0;
transform:translateY(40px);
transition:all .8s ease;
}

.scroll-animate.active{
opacity:1;
transform:translateY(0);
}

.why-insurance{
padding-top:20px;
padding-bottom:20px;
background:#ffffff;
}

.why-grid{
display:grid;
grid-template-columns:repeat(3,1fr);
gap:30px;
max-width:1000px;
margin-bottom:40px;


}

.why-card{
background:#e4eef3;
padding:30px;
padding-right:50px;
border-radius:12px;
text-align:center;
transition:0.3s;
box-shadow:0 6px 15px rgba(0,0,0,0.08);
}

.why-card:hover{
transform:translateY(-6px);
}

.why-icon{
width:40px;
height:40px;
background:#0b1b66;
color:white;
display:flex;
align-items:center;
justify-content:center;
border-radius:8px;
margin:auto;
margin-bottom:15px;
font-size:18px;
box-shadow: 0 4px 10px rgba(11,27,102,0.25);
}
.why-icon svg{
color:white;
width:22px;
height:22px;
}


.why-card h3{
font-size:18px;
margin-bottom:8px;
}

.why-card p{
font-size:14px;
color:#666;
}

@media(max-width:992px){

.why-grid{
grid-template-columns:repeat(2,1fr);
}

}

@media(max-width:600px){

.protection-plan{
padding:35px 16px 45px;
}

.plan-grid{
grid-template-columns:1fr;
width:100%;
max-width:100%;
gap:20px;
transform:none;
margin:0 auto;
}

.plan-card{
width:100%;
max-width:100%;
padding:24px 18px;
margin:0 auto;
}

.section-title{
font-size:24px;
padding:0 10px;
margin-bottom:8px;
}

.section-sub{
font-size:14px;
padding:0 10px;
margin-bottom:30px;
}

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

}

.scroll-animate{
opacity:0;
transform:translateY(40px);
transition:all .8s ease;
}

.scroll-animate.active{
opacity:1;
transform:translateY(0);
}

/* =========================================================
   INSURANCE COMPREHENSIVE DARK MODE & HIGH-CONTRAST ICONS
   ========================================================= */
body.dark-mode {
  background-color: #080c14 !important;
  color: #f8fafc !important;
}

body.dark-mode .insurance-hero {
  background: transparent !important;
}

body.dark-mode .insurance-hero-video {
  filter: none !important;
  opacity: 1 !important;
}

body.dark-mode .hero-left h1 {
  color: #ffffff !important;
}

body.dark-mode .hero-left h1 span {
  color: #ffd400 !important;
}

body.dark-mode .hero-left p {
  color: #f8fafc !important;
}

body.dark-mode .stat-box {
  background: rgba(17, 24, 39, 0.8) !important;
  border: 1px solid rgba(255, 255, 255, 0.2) !important;
  color: #ffffff !important;
}

body.dark-mode .insurance-simple {
  background-color: #080c14 !important;
}

body.dark-mode .insurance-simple .section-title {
  color: #ffffff !important;
}

body.dark-mode .type-card {
  background: #111827 !important;
  border: 1px solid #1e293b !important;
  box-shadow: 0 6px 18px rgba(0, 0, 0, 0.35) !important;
}

body.dark-mode .type-card p {
  color: #f8fafc !important;
  font-weight: 600 !important;
}

body.dark-mode .type-card img {
  filter: brightness(1.2) contrast(1.1) drop-shadow(0 2px 6px rgba(56, 189, 248, 0.3)) !important;
}

body.dark-mode .type-card:hover {
  background: #1e293b !important;
  border-color: #38bdf8 !important;
}

body.dark-mode .product-features {
  background-color: #0b0f19 !important;
}

body.dark-mode .product-features .section-title {
  color: #ffffff !important;
}

body.dark-mode .feature-tabs .tab-btn {
  background: #1e293b !important;
  color: #cbd5e1 !important;
  border: 1px solid #334155 !important;
}

body.dark-mode .feature-tabs .tab-btn.active {
  background: #2563eb !important;
  color: #ffffff !important;
  border-color: #3b82f6 !important;
}

body.dark-mode .feature-card {
  background: #111827 !important;
  border: 1px solid #1e293b !important;
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.35) !important;
}

body.dark-mode .feature-card h3 {
  color: #ffffff !important;
}

body.dark-mode .feature-card p {
  color: #cbd5e1 !important;
}

body.dark-mode .view-plan-btn {
  background: #2563eb !important;
  color: #ffffff !important;
}

body.dark-mode .join-us {
  background-color: #080c14 !important;
}

body.dark-mode .join-us .section-title {
  color: #ffffff !important;
}

body.dark-mode .join-card {
  background: #111827 !important;
  border: 1px solid #1e293b !important;
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.35) !important;
}

body.dark-mode .join-card h3 {
  color: #ffffff !important;
}

body.dark-mode .join-card p {
  color: #cbd5e1 !important;
}

body.dark-mode .protection-plan {
  background-color: #0b0f19 !important;
}

body.dark-mode .protection-plan .section-title {
  color: #ffffff !important;
}

body.dark-mode .protection-plan .section-sub {
  color: #cbd5e1 !important;
}

body.dark-mode .plan-card {
  background: #111827 !important;
  border: 1px solid #1e293b !important;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.4) !important;
}

body.dark-mode .plan-title {
  color: #ffffff !important;
}

body.dark-mode .plan-desc {
  color: #cbd5e1 !important;
}

body.dark-mode .coverage-box {
  background: #172033 !important;
  border: 1px solid #1e293b !important;
}

body.dark-mode .coverage-box p {
  color: #94a3b8 !important;
}

body.dark-mode .coverage-box h4 {
  color: #38bdf8 !important;
}

body.dark-mode .coverage-box h5 {
  color: #4ade80 !important;
}

body.dark-mode .plan-features {
  color: #e2e8f0 !important;
}

body.dark-mode .plan-features li {
  color: #e2e8f0 !important;
}

body.dark-mode .plan-btn {
  background: #2563eb !important;
  color: #ffffff !important;
}

body.dark-mode .why-insurance {
  background-color: #080c14 !important;
}

body.dark-mode .why-insurance .section-title {
  color: #ffffff !important;
}

body.dark-mode .why-insurance .section-sub {
  color: #cbd5e1 !important;
}

body.dark-mode .why-card {
  background: #111827 !important;
  border: 1px solid #1e293b !important;
  box-shadow: 0 6px 18px rgba(0, 0, 0, 0.35) !important;
}

body.dark-mode .why-card h3 {
  color: #ffffff !important;
}

body.dark-mode .why-card p {
  color: #cbd5e1 !important;
}

body.dark-mode .why-icon {
  background: #0e3040 !important;
  border: 1.5px solid #148a9a !important;
  color: #38bdf8 !important;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.3) !important;
}

body.dark-mode .why-icon svg {
  stroke: #38bdf8 !important;
  stroke-width: 2.2px !important;
  color: #38bdf8 !important;
}