/* ---------- Reset & base ---------- */
* { box-sizing: border-box; margin: 0; padding: 0; }
html, body { height: 100%; }
body {
  font-family: Arial, Helvetica, sans-serif;
  color: #333;
  background-color: #f9f9f9;
  line-height: 1.6;
  -webkit-font-smoothing:antialiased;
  -moz-osx-font-smoothing:grayscale;
}

/* ---------- Layout container ---------- */
.container {
  width: 100%;
  max-width: 1100px;
  margin: 0 auto;
  padding: 0 6%;
}

/* ---------- NAV ---------- */
nav {
  background: #fff;
  box-shadow: 0 2px 6px rgba(0,0,0,0.06);
  position: sticky;
  top: 0;
  z-index: 1200;
}

/* inner wrapper keeps hamburger at top-right */
.nav-inner {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  height: 72px;
}

/* Desktop nav */
.nav-desktop {
  display: flex;
  gap: 28px;
  list-style: none;
  align-items: center;
  justify-content: center;
}

.nav-desktop a {
  color: #0b2e74;
  text-decoration: none;
  font-weight: 600;
  padding: 8px 6px;
  transition: color 0.2s ease, background 0.15s ease;
  border-radius: 6px;
}

.nav-desktop a:hover,
.nav-desktop a.active {
  color: #0056d2;
  background: rgba(0,86,210,0.06);
}

/* Hamburger button (mobile) top-right */
.nav-toggle {
  position: absolute;
  right: 6%;
  top: 50%;
  transform: translateY(-50%);
  background: transparent;
  border: none;
  display: none;
  width: 40px;
  height: 40px;
  align-items: center;
  justify-content: center;
  cursor: pointer;
}

.nav-toggle:focus { outline: 2px solid rgba(5,86,210,0.25); border-radius:6px; }

.nav-toggle .bar {
  display: block;
  width: 20px;
  height: 2px;
  background: #0b2e74;
  position: relative;
  transition: transform .25s ease, opacity .25s ease;
}
.nav-toggle .bar::before,
.nav-toggle .bar::after {
  content: '';
  position: absolute;
  left: 0;
  width: 20px;
  height: 2px;
  background: #0b2e74;
  transition: transform .25s ease;
}
.nav-toggle .bar::before { top: -6px; }
.nav-toggle .bar::after  { top: 6px; }

/* Mobile nav panel (hidden on desktop) */
.nav-mobile {
  display: none;
  background: #fff;
  border-top: 1px solid rgba(0,0,0,0.04);
}
.nav-mobile ul {
  list-style: none;
  padding: 12px 6%;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.nav-mobile a {
  color: #0b2e74;
  text-decoration: none;
  font-weight: 600;
  padding: 10px;
  border-radius: 8px;
}
.nav-mobile a:hover,
.nav-mobile a.active { background: rgba(0,86,210,0.06); color: #0056d2; }

/* ---------- Header / hero (index) ---------- */
header {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  padding: 60px 0;
  background: white;
  margin-bottom: 18px;
  border-bottom: 1px solid rgba(0,0,0,0.02);
}

.hero-text {
  max-width: 48%;
}
.hero-text h1 {
  font-size: 2.8rem;
  color: #0b2e74;
  margin-bottom: 18px;
}
.hero-text p { color: #555; margin-bottom: 22px; font-size: 1.05rem; }

.header-image {
  width: 45%;
  border-radius: 12px;
  box-shadow: 0 6px 18px rgba(0,0,0,0.08);
  object-fit: cover;
}

/* Buttons */
.btns { display: flex; gap: 14px; flex-wrap: wrap; }
.btn {
  padding: 12px 20px;
  border-radius: 8px;
  font-size: 1rem;
  border: none;
  cursor: pointer;
  font-weight: 600;
}
.btn.blue { background: #0056d2; color: #fff; }
.btn.red  { background: #d22b2b; color: #fff; }

/* ---------- Why grid ---------- */
section#why {
  padding: 48px 0;
  text-align: center;
}
.why-grid {
  display: grid;
  grid-template-columns: repeat(4,1fr);
  gap: 22px;
  margin-top: 22px;
}
.why-grid > div {
  background: white;
  padding: 20px;
  border-radius: 12px;
  box-shadow: 0 6px 18px rgba(0,0,0,0.04);
}
.why-grid img { width: 42px; margin-bottom: 10px; }

/* ---------- Insurance blocks ---------- */
.insurance-section {
  display: flex;
  flex-direction: column;
  gap: 36px;
  padding: 48px 0;
}
.insurance-block {
  display: flex;
  gap: 30px;
  align-items: center;
  justify-content: space-between;
  background: white;
  border-radius: 14px;
  box-shadow: 0 8px 22px rgba(0,0,0,0.06);
  padding: 26px;
}
.insurance-block img {
  width: 45%;
  border-radius: 12px;
  object-fit: cover;
}
.insurance-text {
  width: 50%;
  text-align: left;
}
.insurance-text h3 { color: #0b2e74; font-size: 1.6rem; margin-bottom: 10px; }
.insurance-text p { color: #555; margin-bottom: 10px; }
.insurance-text a { color: #0056d2; text-decoration: none; font-weight: 500; }
.insurance-text a:hover { text-decoration: underline; }

/* Alternate layout for even blocks */
.insurance-block:nth-child(even) { flex-direction: row-reverse; }

/* ---------- Partner / footer ---------- */
.partner {
  display: flex;
  gap: 28px;
  align-items: center;
  justify-content: center;
  background: white;
  padding: 48px 0;
  border-top: 1px solid #eee;
}
.partner img {
  border-radius: 50%;
  width: 160px;
  height: 160px;
  object-fit: cover;
  box-shadow: 0 6px 18px rgba(0,0,0,0.06);
}
.partner-text { max-width: 520px; text-align: left; color:#444; }

/* Footer */
footer {
  text-align: center;
  padding: 28px 0;
  background: #fff;
  color: #666;
  box-shadow: 0 -2px 8px rgba(0,0,0,0.03);
  margin-top: 18px;
}
footer a { color: #0b2e74; text-decoration: none; }
footer a:hover { text-decoration: underline; }

/* ---------- Utility ---------- */
.content {
  padding: 28px 0;
  max-width: 900px;
  margin: 0 auto;
}
.content h2 { color: #0b2e74; margin-bottom: 14px; }
.content p, .content li { color: #555; margin-bottom: 10px; line-height: 1.55; }
.content ul { margin-left: 18px; }

/* Forms */
form { display:flex; flex-direction:column; gap:12px; max-width:600px; margin: 8px auto 0 auto; }
input, textarea, button {
  padding: 12px;
  border-radius: 8px;
  border: 1px solid #d8d8d8;
  font-size: 1rem;
}
button { background: #0056d2; color: #fff; border: none; cursor: pointer; }
button:hover { background: #0b2e74; }

/* ---------- Responsive breakpoints ---------- */
@media (max-width: 980px) {
  .hero-text { max-width: 52%; }
  .header-image { width: 42%; }
  .why-grid { grid-template-columns: repeat(2,1fr); }
}

@media (max-width: 768px) {
  /* nav: show hamburger, hide desktop links */
  .nav-toggle { display: flex; }
  .nav-desktop { display: none; }
  .nav-inner { justify-content: flex-start; padding-left: 6%; height: 64px; }

  /* mobile nav panel */
  .nav-mobile { display: none; } /* toggled by JS to block when open */
  .nav-mobile.open { display: block; animation: slideDown .18s ease; }

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

  /* header stacks */
  header {
    flex-direction: column;
    padding: 28px 0;
    text-align: center;
    gap: 18px;
  }
  .hero-text { width: 100%; max-width: 100%; }
  .hero-text h1 { font-size: 2.1rem; }
  .hero-text p { font-size: 1rem; }
  .header-image { width: 100%; max-height: 320px; }

  .btns { justify-content: center; width: 100%; gap: 12px; }
  .btn { flex: 1 1 auto; min-width: 120px; }

  /* why grid single column */
  .why-grid { grid-template-columns: 1fr; padding: 0 6%; gap: 14px; }

  /* insurance blocks vertical */
  .insurance-block {
    flex-direction: column;
    text-align: center;
    padding: 18px;
  }
  .insurance-block img { width: 100%; height: auto; }
  .insurance-text { width: 100%; text-align: center; }
  .insurance-block:nth-child(even) { flex-direction: column; }

  .partner { flex-direction: column; padding: 28px 6%; }
  .partner-text { text-align: center; }

  .container { padding: 0 6%; }
  .content { padding: 18px 6%; }
}

/* extra-small (narrow phones) */
@media (max-width: 420px) {
  .nav-toggle { right: 5%; width: 44px; height: 44px; }
  .nav-inner { padding-left: 5%; }
  .hero-text h1 { font-size: 1.9rem; }
  .hero-text p { font-size: 0.98rem; }
  .btn { padding: 10px; font-size: 0.95rem; }
}