.auto-hero {
  position: relative;
  width: 100%;
  height: 400px; /* adjust as needed */
  background: url("../images/auto-bg-hovering.webp") center/cover no-repeat;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0.8;
}

.auto-hero-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(0, 0, 0, 0.5);
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 0 20px;
}

.auto-hero-content {
  color: #fff;
  max-width: 800px;
}

.auto-hero .auto-breadcrumbs {
  font-size: 16px;
  margin-bottom: 15px;
  color: #d1d5db;
}

.auto-hero .auto-breadcrumbs a {
  color: #fff;
  font-size: 20px;
}

.auto-hero .auto-breadcrumbs a:hover {
  text-decoration: underline;
}

.auto-hero h1 {
  font-size: 42px;
  font-weight: 700;
  margin-bottom: 20px;
  font-family: "Roboto", Arial, sans-serif;
}

.auto-hero .auto-description {
  font-size: 18px;
  line-height: 1.7;
  font-weight: 400;
}

/* Auto-insurance section lef-side image  styling */
.auto-insurance-section {
  padding: 80px 20px;
  background-color: #f8f9fa;
  overflow: hidden;
}

.content-wrapper {
  display: flex;
  align-items: center;
  gap: 50px;
  flex-wrap: wrap;
}

.image-side img {
  width: 100%;
  max-width: 500px;
  border-radius: 10px;
  opacity: 0;
  transform: translateX(-50px);
  transition: all 1s ease;
}

.text-side {
  flex: 1;
  opacity: 0;
  transform: translateX(50px);
  transition: all 1s ease;
}

.subheading {
  color: #007bff;
  font-weight: 600;
  margin-bottom: 10px;
}

.heading-auto {
  font-size: 32px;
  margin-bottom: 20px;
  color: #0c3f98;
}

.description {
  font-size: 18px;
  line-height: 1.6;
}

/* Animation classes */
.show {
  opacity: 1 !important;
  transform: translateX(0) !important;
}

/* Why Us section styling */
/* ===== GOOGLE FONTS ===== */
@import url("https://fonts.googleapis.com/css2?family=Cormorant+Garamond:wght@600;700&family=Manrope:wght@300;400;500;600&display=swap");

/* ===== CSS VARIABLES ===== */
:root {
  --bg: #f7f4ef;
  --surface: #ffffff;
  --accent: #c0392b;
  --accent2: #e74c3c;
  --dark: #1a1208;
  --text: #4a4035;
  --muted: #9a8f83;
  --border: rgba(192, 57, 43, 0.15);
}

/* ===== SECTION ===== */
.why-us {
  font-family: "Manrope", sans-serif;
  background-color: var(--bg);
  padding: 100px 24px 110px;
  position: relative;
  overflow: hidden;
}

/* subtle diagonal stripe texture */
.why-us::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: repeating-linear-gradient(
    -45deg,
    transparent,
    transparent 40px,
    rgba(192, 57, 43, 0.025) 40px,
    rgba(192, 57, 43, 0.025) 41px
  );
  pointer-events: none;
}

/* ===== CONTAINER ===== */
.why-us .container {
  max-width: 1160px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

/* ===== SECTION HEADER ===== */
.why-us .section-header {
  text-align: center;
  margin-bottom: 72px;
  position: relative;
}

.why-us .section-header::after {
  content: "WHY US";
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -55%);
  font-family: "Cormorant Garamond", serif;
  font-size: clamp(5rem, 14vw, 11rem);
  font-weight: 700;
  color: rgba(192, 57, 43, 0.05);
  white-space: nowrap;
  pointer-events: none;
  letter-spacing: 0.1em;
  line-height: 1;
  z-index: 0;
}

.why-us .section-header h2 {
  font-family: "Cormorant Garamond", serif;
  font-size: clamp(2.4rem, 5vw, 3.8rem);
  font-weight: 700;
  color: var(--dark);
  line-height: 1.15;
  position: relative;
  z-index: 1;
  margin: 0 0 14px;
}

.why-us .section-header h2::after {
  content: "";
  display: block;
  width: 52px;
  height: 3px;
  background: linear-gradient(90deg, #0c3f98, transparent);
  margin: 14px auto 0;
  border-radius: 2px;
}

.why-us .section-header p {
  font-size: 1rem;
  color: var(--muted);
  font-weight: 400;
  position: relative;
  z-index: 1;
  margin: 0;
  letter-spacing: 0.02em;
}

/* ===== FEATURES GRID ===== */
.why-us .features-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

/* ===== FEATURE CARD ===== */
.why-us .feature-card {
  background: var(--surface);
  border: 1px solid rgba(192, 57, 43, 0.1);
  border-radius: 18px;
  padding: 42px 28px 36px;
  display: flex;
  flex-direction: column;
  gap: 20px;
  position: relative;
  overflow: hidden;
  cursor: pointer;
  transition:
    transform 0.38s cubic-bezier(0.22, 0.68, 0, 1.2),
    box-shadow 0.38s ease,
    border-color 0.3s ease,
    background 0.3s ease;

  /* staggered fade-up animation */
  animation: cardIn 0.6s ease both;
}
.why-us .feature-card:nth-child(1) {
  animation-delay: 0.05s;
}
.why-us .feature-card:nth-child(2) {
  animation-delay: 0.15s;
}
.why-us .feature-card:nth-child(3) {
  animation-delay: 0.25s;
}
.why-us .feature-card:nth-child(4) {
  animation-delay: 0.35s;
}

@keyframes cardIn {
  from {
    opacity: 0;
    transform: translateY(32px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* card number watermark */
.why-us .feature-card::before {
  content: attr(data-num);
  position: absolute;
  bottom: -10px;
  right: 16px;
  font-family: "Cormorant Garamond", serif;
  font-size: 7rem;
  font-weight: 700;
  color: rgba(192, 57, 43, 0.05);
  line-height: 1;
  pointer-events: none;
  transition: color 0.3s ease;
}

/* bottom sweep line */
.why-us .feature-card::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--accent), var(--accent2));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s cubic-bezier(0.22, 0.68, 0, 1.2);
}

/* ── HOVER ── */
.why-us .feature-card:hover {
  transform: translateY(-10px);
  border-color: var(--border);
  box-shadow:
    0 24px 56px rgba(192, 57, 43, 0.1),
    0 4px 16px rgba(0, 0, 0, 0.06);
}
.why-us .feature-card:hover::after {
  transform: scaleX(1);
}
.why-us .feature-card:hover::before {
  color: rgba(192, 57, 43, 0.09);
}

/* ── ACTIVE (clicked or .active class) ── */
.why-us .feature-card.active {
  background: #18295d;
  border-color: var(--accent);
  transform: translateY(-10px);
  box-shadow:
    0 28px 64px rgba(192, 57, 43, 0.22),
    0 4px 16px rgba(0, 0, 0, 0.15);
}
.why-us .feature-card.active::after {
  transform: scaleX(1);
}
.why-us .feature-card.active h3 {
  color: #ffffff;
}
.why-us .feature-card.active p {
  color: rgba(255, 255, 255, 0.6);
}
.why-us .feature-card.active .icon-box {
  background: rgba(192, 57, 43, 0.2);
  border-color: rgba(192, 57, 43, 0.5);
}
.why-us .feature-card.active::before {
  color: rgba(255, 255, 255, 0.04);
}

/* ===== ICON BOX ===== */
.why-us .icon-box {
  width: 68px;
  height: 68px;
  background: rgba(192, 57, 43, 0.07);
  border: 1.5px solid rgba(192, 57, 43, 0.2);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition:
    background 0.3s ease,
    transform 0.35s cubic-bezier(0.22, 0.68, 0, 1.2);
}
.why-us .icon-box img {
  width: 34px;
  height: 34px;
  object-fit: contain;
  transition: transform 0.3s ease;
  display: block;
}
.why-us .feature-card:hover .icon-box {
  background: rgba(192, 57, 43, 0.13);
  transform: rotate(-5deg) scale(1.08);
}
.why-us .feature-card:hover .icon-box img {
  transform: scale(1.12);
}

/* ===== CARD TEXT ===== */
.why-us .feature-card h3 {
  font-family: "Cormorant Garamond", serif;
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--dark);
  line-height: 1.25;
  margin: 0;
  transition: color 0.3s ease;
}
.why-us .feature-card p {
  font-size: 0.875rem;
  color: var(--text);
  line-height: 1.8;
  margin: 0;
  font-weight: 300;
  transition: color 0.3s ease;
}

/* ===== RESPONSIVE ===== */

/* Tablet landscape */
@media (max-width: 1024px) {
  .why-us .features-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

/* Tablet portrait */
@media (max-width: 768px) {
  .why-us {
    padding: 72px 20px 80px;
  }
  .why-us .section-header {
    margin-bottom: 48px;
  }
  .why-us .features-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
  }
  .why-us .feature-card {
    padding: 32px 22px 28px;
  }
}

/* Mobile */
@media (max-width: 540px) {
  .why-us {
    padding: 56px 16px 64px;
  }
  .why-us .features-grid {
    grid-template-columns: 1fr;
    gap: 14px;
  }
  .why-us .feature-card {
    padding: 28px 20px;
    /* always show bottom line on touch */
  }
  .why-us .feature-card::after {
    transform: scaleX(0.3);
    opacity: 0.4;
  }
  .why-us .feature-card.active::after {
    transform: scaleX(1);
    opacity: 1;
  }
  .why-us .section-header::after {
    display: none; /* hide watermark on small screens */
  }
}

/* Small phones */
@media (max-width: 380px) {
  .why-us .feature-card h3 {
    font-size: 1.1rem;
  }
  .why-us .feature-card p {
    font-size: 0.82rem;
  }
  .why-us .icon-box {
    width: 56px;
    height: 56px;
  }
  .why-us .icon-box img {
    width: 28px;
    height: 28px;
  }
}

/* We give the best Section styling */
/* ===== PRICING SECTION ===== */
.pricing-section {
  padding: 80px 20px;
  background-color: #f9f9f9;
  font-family: "Segoe UI", sans-serif;
}

.pricing-container {
  display: flex;
  align-items: stretch;
  gap: 50px;
  max-width: 1200px;
  margin: 0 auto;
}

/* ===== LEFT IMAGE ===== */
.pricing-image {
  flex: 1;
  position: relative;
  min-height: 500px;
}

.pricing-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  border-radius: 12px;
}

.processing-card {
  position: absolute;
  bottom: 15px;
  right: -25px;
  background: #fff;
  padding: 20px 24px;
  border-radius: 12px;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.12);
  max-width: 220px;
}

.processing-card .icon {
  font-size: 24px;
  color: #152654;
  display: block;
  margin-bottom: 8px;
}

.processing-card h4 {
  font-size: 15px;
  font-weight: 700;
  margin: 0 0 6px;
  color: #1a1a2e;
}

.processing-card p {
  font-size: 12px;
  color: #777;
  margin: 0;
  line-height: 1.5;
}

/* ===== RIGHT CONTENT ===== */
.pricing-content {
  flex: 1;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 16px;
}

.small-title {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 2px;
  color: #152654;
  text-transform: uppercase;
  margin: 0;
}

.pricing-content h2 {
  font-size: clamp(26px, 3vw, 38px);
  font-weight: 800;
  line-height: 1.3;
  color: #1a1a2e;
  margin: 0;
}

.pricing-content h2 span {
  color: #152654;
}

.pricing-content .desc {
  font-size: 15px;
  color: #666;
  line-height: 1.7;
  margin: 0;
}

/* ===== FEATURES ===== */
.feature {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.feature .icon-box {
  width: 42px;
  height: 42px;
  min-width: 42px;
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 8px;
  font-size: 20px;
}

.feature h4 {
  font-size: 15px;
  font-weight: 700;
  color: #1a1a2e;
  margin: 0 0 4px;
}

.feature p {
  font-size: 13px;
  color: #777;
  margin: 0;
  line-height: 1.5;
}

/* ===== ACCORDION ===== */
.accordion {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.accordion-item {
  border: 1px solid #e5e5e5;
  border-radius: 8px;
  overflow: hidden;
  background: #fff;
}

.accordion-btn {
  width: 100%;
  background: none;
  border: none;
  padding: 16px 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 14px;
  font-weight: 600;
  color: #1a1a2e;
  cursor: pointer;
  text-align: left;
  transition: background 0.2s;
}

.accordion-btn:hover {
  background: #fef2f2;
}

.accordion-btn .icon {
  font-size: 20px;
  font-weight: 400;
  color: #152654;
  transition: transform 0.3s;
  line-height: 1;
}

.accordion-item.active .accordion-btn .icon {
  transform: rotate(45deg);
}

.accordion-content {
  max-height: 0;
  overflow: hidden;
  transition:
    max-height 0.35s ease,
    padding 0.3s ease;
  padding: 0 20px;
}

.accordion-item.active .accordion-content {
  max-height: 200px;
  padding: 0 20px 16px;
}

.accordion-content p {
  font-size: 13px;
  color: #666;
  line-height: 1.7;
  margin: 0;
}

/* ===== BUTTON ===== */
.btn {
  display: inline-block;
  background: #152654;
  color: #fff;
  padding: 14px 32px;
  border-radius: 8px;
  font-size: 14px;
  font-weight: 700;
  text-decoration: none;
  letter-spacing: 0.5px;
  transition:
    background 0.25s,
    transform 0.2s;
  align-self: flex-start;
}

.btn:hover {
  background: #c72e2e;
  transform: translateY(-2px);
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .pricing-container {
    gap: 36px;
  }

  .processing-card {
    left: -10px;
  }
}

@media (max-width: 768px) {
  .pricing-section {
    padding: 60px 20px;
  }

  .pricing-container {
    flex-direction: column;
    gap: 40px;
  }

  .pricing-image {
    min-height: 320px;
  }

  .processing-card {
    left: 16px;
    bottom: 16px;
    display: none;
  }

  .pricing-content h2 {
    font-size: 28px;
  }
}

@media (max-width: 480px) {
  .pricing-image {
    min-height: 260px;
  }

  .processing-card {
    max-width: 180px;
    padding: 14px 16px;
    display: none;
  }

  .processing-card h4 {
    font-size: 13px;
  }

  .btn {
    width: 100%;
    text-align: center;
  }
}

/* After-and-Before section styling */
/* ===== COMPARE SECTION ===== */
.compare-section {
  padding: 60px 20px;
  background: #fff;
}

.compare-container {
  display: flex;
  gap: 16px;
  max-width: 1200px;
  margin: 0 auto;
  justify-content: center; /* center items */
}

/* ===== COMPARE ITEM ===== */
.compare-item {
  flex: 0 0 600px;
  height: 400px;
}

.compare-wrapper {
  position: relative;
  width: 100%;
  height: 100%;
  overflow: hidden;
  border-radius: 10px;
  cursor: col-resize;
  user-select: none;
}

/* ===== IMAGES ===== */
.img-before,
.img-after {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
}

.img-before img,
.img-after img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  pointer-events: none;
}

/* After image clips from the right */
.img-after {
  clip-path: inset(0 50% 0 0);
  transition: clip-path 0s;
}

/* ===== DIVIDER LINE ===== */
.compare-wrapper::after {
  content: "";
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 2px;
  height: 100%;
  background: #fff;
  pointer-events: none;
  z-index: 2;
}

/* ===== HANDLE BUTTON ===== */
.compare-handle {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 36px;
  height: 36px;
  background: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 3;
  box-shadow: 0 2px 10px rgba(0, 0, 0, 0.25);
  pointer-events: none;
}

.handle-icon {
  font-size: 11px;
  color: #333;
  line-height: 1;
  letter-spacing: -2px;
}

/* ===== RANGE INPUT (invisible, full overlay) ===== */
.compare-range {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  opacity: 0;
  cursor: col-resize;
  z-index: 10;
  margin: 0;
  padding: 0;
  -webkit-appearance: none;
}

/* ===== RESPONSIVE ONLY ===== */
@media (max-width: 1280px) {
  .compare-item {
    flex: 0 0 calc(50% - 8px);
    height: 340px;
  }
}

@media (max-width: 1024px) {
  .compare-item {
    flex: 0 0 calc(50% - 8px);
    height: 300px;
  }
}

@media (max-width: 768px) {
  .compare-container {
    flex-direction: column;
    align-items: center;
    gap: 20px;
  }

  .compare-item {
    flex: 0 0 auto;
    width: 100%;
    max-width: 700px;
    height: 300px;
  }
}

@media (max-width: 480px) {
  .compare-section {
    padding: 40px 16px;
  }

  .compare-item {
    height: 240px;
  }

  .compare-handle {
    width: 30px;
    height: 30px;
  }
}

@media (max-width: 360px) {
  .compare-item {
    height: 200px;
  }
}

/* Add this extra rule to remove the pseudo ::after once JS runs */
.compare-wrapper.has-divider::after {
  display: none;
}

/* Auto-testemonial section styling */
/* ===== GOOGLE FONT ===== */
@import url("https://fonts.googleapis.com/css2?family=Playfair+Display:wght@700;800&family=DM+Sans:wght@400;500;600&display=swap");

/* ===== TESTIMONIAL SECTION ===== */
.testimonial-section {
  position: relative;
  background: #0d1b2a;
  padding: 100px 20px 80px;
  overflow: hidden;
  font-family: "DM Sans", sans-serif;
}

/* Background shape */
.testi-bg-shape {
  position: absolute;
  top: -120px;
  right: -120px;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(230, 60, 60, 0.12), transparent 70%);
  pointer-events: none;
}

.testi-inner {
  max-width: 1200px;
  margin: 0 auto;
  position: relative;
}

/* ===== HEADER ===== */
.testi-header {
  text-align: center;
  margin-bottom: 56px;
}

.testi-label {
  display: inline-block;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 3px;
  color: #f70018;
  text-transform: uppercase;
  margin-bottom: 14px;
}

.testi-header h2 {
  font-family: "Playfair Display", serif;
  font-size: clamp(28px, 4vw, 46px);
  font-weight: 800;
  color: #ffffff;
  margin: 0 0 16px;
  line-height: 1.2;
}

.testi-header h2 span {
  color: #f70018;
}

.testi-header p {
  font-size: 15px;
  color: #8a9bb0;
  max-width: 520px;
  margin: 0 auto;
  line-height: 1.7;
}

/* ===== SLIDER WRAPPER ===== */
.testi-slider-wrapper {
  overflow: hidden;
  width: 100%;
}

.testi-track {
  display: flex;
  gap: 24px;
  transition: transform 0.5s cubic-bezier(0.77, 0, 0.175, 1);
  will-change: transform;
}

/* ===== CARD ===== */
.testi-card {
  flex: 0 0 calc(33.333% - 16px);
  background: #162233;
  border: 1px solid rgba(255, 255, 255, 0.06);
  border-radius: 16px;
  padding: 36px 32px 32px;
  position: relative;
  transition:
    transform 0.3s ease,
    box-shadow 0.3s ease;
}

.testi-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.4);
  border-color: rgba(230, 60, 60, 0.3);
}

.testi-quote {
  font-family: "Playfair Display", serif;
  font-size: 72px;
  line-height: 0.6;
  color: #f70018;
  opacity: 0.5;
  margin-bottom: 20px;
}

.testi-text {
  font-size: 14.5px;
  color: #b0bec5;
  line-height: 1.8;
  margin: 0 0 20px;
}

.testi-stars {
  font-size: 16px;
  color: #f5a623;
  margin-bottom: 24px;
  letter-spacing: 2px;
}

.testi-author {
  display: flex;
  align-items: center;
  gap: 14px;
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  padding-top: 20px;
}

.testi-avatar {
  width: 46px;
  height: 46px;
  min-width: 46px;
  border-radius: 50%;
  background: linear-gradient(135deg, #e63c3c, #c0392b);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 700;
  color: #fff;
  letter-spacing: 0.5px;
}

.testi-info h4 {
  font-size: 14px;
  font-weight: 600;
  color: #fff;
  margin: 0 0 3px;
}

.testi-info span {
  font-size: 12px;
  color: #607d8b;
}

/* ===== DOTS ===== */
.testi-dots {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-top: 36px;
}

.testi-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #2e4057;
  border: none;
  cursor: pointer;
  transition:
    background 0.3s,
    width 0.3s;
  padding: 0;
}

.testi-dot.active {
  background: #e63c3c;
  width: 24px;
  border-radius: 4px;
}

/* ===== ARROWS ===== */
.testi-arrows {
  display: flex;
  justify-content: center;
  gap: 12px;
  margin-top: 20px;
}

.testi-arrow {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.12);
  background: transparent;
  color: #fff;
  font-size: 18px;
  cursor: pointer;
  transition:
    background 0.25s,
    border-color 0.25s,
    transform 0.2s;
  display: flex;
  align-items: center;
  justify-content: center;
}

.testi-arrow:hover {
  background: #e63c3c;
  border-color: #e63c3c;
  transform: scale(1.08);
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .testi-card {
    flex: 0 0 calc(50% - 12px);
  }
}

@media (max-width: 640px) {
  .testimonial-section {
    padding: 70px 16px 60px;
  }

  .testi-card {
    flex: 0 0 100%;
  }

  .testi-header {
    margin-bottom: 36px;
  }
}

/* Auto-insurance form section styling */
@import url("https://fonts.googleapis.com/css2?family=Sora:wght@400;500;600;700;800&display=swap");

/* ===== SECTION ===== */
.insurance-form-section {
  position: relative;
  background: #f4f6f9;
  padding: 90px 20px;
  font-family: "Sora", sans-serif;
  overflow: hidden;
}

.form-bg-decor {
  position: absolute;
  top: -200px;
  left: -200px;
  width: 600px;
  height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(230, 60, 60, 0.07), transparent 70%);
  pointer-events: none;
}

/* ===== LAYOUT ===== */
.form-layout {
  display: flex;
  gap: 60px;
  max-width: 1200px;
  margin: 0 auto;
  align-items: flex-start;
}

/* ===== LEFT PANEL ===== */
.form-left {
  flex: 0 0 380px;
  padding-top: 10px;
}

.form-badge {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 3px;
  color: #e63c3c;
  text-transform: uppercase;
  margin-bottom: 16px;
}

.form-left h2 {
  font-size: clamp(24px, 2.8vw, 36px);
  font-weight: 800;
  color: #0d1b2a;
  line-height: 1.25;
  margin: 0 0 18px;
}

.form-left h2 span {
  color: #e63c3c;
}

.form-left > p {
  font-size: 14px;
  color: #607d8b;
  line-height: 1.75;
  margin: 0 0 32px;
}

/* Perks */
.form-perks {
  list-style: none;
  margin: 0 0 36px;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.form-perks li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 14px;
  color: #2c3e50;
  font-weight: 500;
}

.perk-icon {
  width: 24px;
  height: 24px;
  min-width: 24px;
  background: #efdcdc;
  color: #fff;
  border-radius: 50%;
  font-size: 11px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
}

/* Trust bar */
.form-trust {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 18px 20px;
  background: #fff;
  border-radius: 12px;
  border: 1px solid #e8ecf0;
}

.trust-avatars {
  display: flex;
}

.ta {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: linear-gradient(135deg, #e63c3c, #c0392b);
  color: #fff;
  font-size: 11px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 2px solid #fff;
  margin-left: -10px;
}

.ta:first-child {
  margin-left: 0;
}

.form-trust p {
  font-size: 13px;
  color: #607d8b;
  margin: 0;
}

.form-trust p strong {
  color: #0d1b2a;
}

/* ===== FORM CARD ===== */
.form-right {
  flex: 1;
  min-width: 0;
}

.form-card {
  background: #fff;
  border-radius: 20px;
  padding: 44px 40px;
  box-shadow: 0 8px 40px rgba(0, 0, 0, 0.08);
}

/* ===== STEPS ===== */
.form-steps {
  display: flex;
  align-items: center;
  margin-bottom: 36px;
}

.step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
}

.step-num {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  border: 2px solid #dde2e8;
  color: #aab4be;
  font-size: 13px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.3s;
}

.step span {
  font-size: 11px;
  color: #aab4be;
  font-weight: 600;
  letter-spacing: 0.5px;
  transition: color 0.3s;
}

.step.active .step-num {
  background: #e63c3c;
  border-color: #e63c3c;
  color: #fff;
}

.step.done .step-num {
  background: #0d1b2a;
  border-color: #0d1b2a;
  color: #fff;
}

.step.active span,
.step.done span {
  color: #0d1b2a;
}

.step-line {
  flex: 1;
  height: 2px;
  background: #dde2e8;
  margin: 0 8px;
  margin-bottom: 20px;
  transition: background 0.3s;
}

.step-line.done {
  background: #0d1b2a;
}

/* ===== PANES ===== */
.form-pane {
  display: none;
}

.form-pane.active {
  display: block;
  animation: fadeUp 0.35s ease;
}

@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(14px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.form-pane h3 {
  font-size: 18px;
  font-weight: 700;
  color: #0d1b2a;
  margin: 0 0 24px;
}

/* ===== FIELDS ===== */
.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.field-group {
  display: flex;
  flex-direction: column;
  gap: 7px;
  margin-bottom: 16px;
}

.field-group label {
  font-size: 12px;
  font-weight: 600;
  color: #4a5568;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.field-group input,
.field-group select,
.field-group textarea {
  padding: 12px 14px;
  border: 1.5px solid #dde2e8;
  border-radius: 8px;
  font-size: 14px;
  font-family: "Sora", sans-serif;
  color: #0d1b2a;
  background: #fff;
  outline: none;
  transition:
    border-color 0.2s,
    box-shadow 0.2s;
  width: 100%;
  box-sizing: border-box;
}

.field-group input:focus,
.field-group select:focus,
.field-group textarea:focus {
  border-color: #e63c3c;
  box-shadow: 0 0 0 3px rgba(230, 60, 60, 0.1);
}

.field-group input::placeholder,
.field-group textarea::placeholder {
  color: #b0bec5;
}

.field-group textarea {
  resize: vertical;
  min-height: 80px;
}

/* ===== COVERAGE CARDS ===== */
.coverage-options {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 20px;
}

.coverage-card {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 16px 18px;
  border: 1.5px solid #dde2e8;
  border-radius: 10px;
  cursor: pointer;
  transition:
    border-color 0.25s,
    background 0.25s;
}

.coverage-card input[type="radio"] {
  margin-top: 4px;
  accent-color: #e63c3c;
  width: 16px;
  height: 16px;
  min-width: 16px;
  flex-shrink: 0;
}

.coverage-card:has(input:checked) {
  border-color: #e63c3c;
  background: #fff5f5;
}

.cov-content {
  flex: 1;
}

.cov-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 4px;
}

.cov-name {
  font-size: 14px;
  font-weight: 700;
  color: #0d1b2a;
  display: flex;
  align-items: center;
  gap: 8px;
}

.cov-name em {
  font-style: normal;
  background: #e63c3c;
  color: #fff;
  font-size: 10px;
  font-weight: 700;
  padding: 2px 7px;
  border-radius: 20px;
  letter-spacing: 0.3px;
}

.cov-price {
  font-size: 13px;
  font-weight: 700;
  color: #e63c3c;
}

.cov-content p {
  font-size: 12.5px;
  color: #7f8c9a;
  margin: 0;
  line-height: 1.5;
}

/* ===== BUTTONS ===== */
.btn-next,
.btn-submit {
  width: 100%;
  padding: 15px;
  background: #e63c3c;
  color: #fff;
  border: none;
  border-radius: 10px;
  font-size: 14px;
  font-weight: 700;
  font-family: "Sora", sans-serif;
  cursor: pointer;
  transition:
    background 0.25s,
    transform 0.2s;
  margin-top: 6px;
  letter-spacing: 0.3px;
}

.btn-next:hover,
.btn-submit:hover {
  background: #c0392b;
  transform: translateY(-2px);
}

.btn-row {
  display: flex;
  gap: 12px;
  margin-top: 6px;
}

.btn-back {
  flex: 0 0 auto;
  padding: 15px 22px;
  background: transparent;
  border: 1.5px solid #dde2e8;
  border-radius: 10px;
  font-size: 14px;
  font-weight: 600;
  font-family: "Sora", sans-serif;
  color: #607d8b;
  cursor: pointer;
  transition:
    border-color 0.2s,
    color 0.2s;
}

.btn-back:hover {
  border-color: #0d1b2a;
  color: #0d1b2a;
}

.btn-row .btn-next,
.btn-row .btn-submit {
  flex: 1;
  margin-top: 0;
}

/* ===== SUCCESS ===== */
.form-success {
  display: none;
  text-align: center;
  padding: 40px 20px;
  animation: fadeUp 0.4s ease;
}

.form-success.active {
  display: block;
}

.success-icon {
  width: 64px;
  height: 64px;
  background: #e63c3c;
  color: #fff;
  border-radius: 50%;
  font-size: 26px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}

.form-success h3 {
  font-size: 22px;
  font-weight: 800;
  color: #0d1b2a;
  margin: 0 0 10px;
}

.form-success p {
  font-size: 14px;
  color: #607d8b;
  line-height: 1.7;
  max-width: 360px;
  margin: 0 auto;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .form-layout {
    gap: 40px;
  }

  .form-left {
    flex: 0 0 300px;
  }
}

@media (max-width: 860px) {
  .form-layout {
    flex-direction: column;
    gap: 36px;
  }

  .form-left {
    flex: none;
    width: 100%;
  }
}

@media (max-width: 560px) {
  .form-card {
    padding: 28px 20px;
  }

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

  .form-steps {
    gap: 0;
  }

  .step span {
    font-size: 10px;
  }

  .insurance-form-section {
    padding: 60px 16px;
  }
}