/* ============================================================
   BimaStreet — Rat Bite Car Insurance Landing Page
   Theme + animations referenced from the BimaStreet design system
   (navy #203864 · green #00B587 · Poppins / Roboto · pill CTAs)
   ============================================================ */

:root {
  --bs-navy: #203864;
  --bs-blue: #203864;
  --bs-blue-dark: #1b3055;
  --bs-blue-deep: #162746;
  --bs-green: #00b587;
  --bs-green-hover: #00cf9a;
  --bs-green-deep: #00785a;
  --bs-red: #d9312e;
  --bs-phone: #2196f3;

  --ink: #1a1a1a;
  --body: #383737;
  --muted: #69727d;
  --line: #e5e7eb;
  --bg-soft: #f6f9fe;
  --chip: #e1edff;
  --white: #ffffff;

  --shadow-card: 0 8px 24px rgba(32, 56, 100, .07);
  --shadow-card-hover: 0 16px 40px rgba(32, 56, 100, .13);
  --shadow-btn: 0 4px 12px rgba(32, 56, 100, .30);

  --radius-card: 18px;
  --radius-btn: 50px;
  --maxw: 1360px;

  --font-head: "Poppins", sans-serif;
  --font-body: "Roboto", "Poppins", sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  font-family: var(--font-body);
  color: var(--body);
  background: #fff;
  font-size: 16px;
  line-height: 1.65;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: var(--bs-blue); text-decoration: none; transition: color .2s ease; }
ul { list-style: none; }

h1, h2, h3, h4, h5 {
  font-family: var(--font-head);
  color: var(--ink);
  line-height: 1.25;
  font-weight: 700;
}

h1 { font-size: clamp(2rem, 4.6vw + .8rem, 3.35rem); letter-spacing: -.02em; }
h2 { font-size: clamp(1.5rem, 2.6vw + .6rem, 2.15rem); letter-spacing: -.01em; }
h3 { font-size: clamp(1.05rem, 1.4vw + .6rem, 1.2rem); font-weight: 600; }
p { font-size: .975rem; }

button { font-family: var(--font-head); }
:focus-visible { outline: 2px solid var(--bs-green); outline-offset: 2px; }

.container { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: 20px; }
@media (min-width: 900px) { .container { padding-inline: 32px; } }

.section { padding: 56px 0; }
@media (min-width: 900px) { .section { padding: 88px 0; } }

section { padding: 56px 0; }
@media (min-width: 900px) { section { padding: 88px 0; } }

.section-light { background: var(--bg-soft); }

.section-head { max-width: 760px; margin: 0 auto 40px; text-align: center; }
.section-head:not(.center) { margin-left: 0; text-align: left; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-head);
  font-size: .72rem;
  font-weight: 600;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--bs-green-deep);
  margin-bottom: 14px;
}
.eyebrow::before,
.eyebrow::after { content: ""; width: 22px; height: 2px; background: var(--bs-green); border-radius: 2px; }
.eyebrow.no-line::after { display: none; }

.accent-line { width: 54px; height: 3px; border-radius: 3px; background: var(--bs-green); margin: 14px auto 22px; }
.section-head:not(.center) .accent-line { margin-left: 0; }

.lead { color: var(--muted); font-size: 1rem; max-width: 680px; margin-inline: auto; }
.section-head:not(.center) .lead { margin-inline: 0; }
.small { font-size: .875rem; color: var(--muted); }

.note {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  max-width: 900px;
  margin: 26px auto 0;
  background: rgba(32, 56, 100, .05);
  border: 1px solid #e0e2e6;
  border-radius: 16px;
  padding: 16px 18px;
  font-size: .85rem;
  color: var(--body);
}
.note svg { width: 20px; height: 20px; flex: none; color: var(--bs-blue); margin-top: 2px; }
.note strong { color: var(--ink); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  font-family: var(--font-head);
  font-weight: 500;
  font-size: .95rem;
  line-height: 1;
  border-radius: var(--radius-btn);
  padding: 15px 28px;
  min-height: 50px;
  cursor: pointer;
  border: 1px solid transparent;
  transition: background .25s ease, color .25s ease, border-color .25s ease, box-shadow .3s ease, transform .25s ease;
  text-align: center;
  white-space: nowrap;
}
.btn:active { transform: scale(.98); }
.btn svg { width: 18px; height: 18px; flex: none; }

.btn-primary,
.btn-quote {
  background: var(--bs-green);
  color: #fff;
  border-color: var(--bs-green);
  box-shadow: 0 6px 16px rgba(0, 181, 135, .28);
  font-weight: 600;
}
.btn-primary:hover,
.btn-quote:hover,
.btn-primary:focus-visible,
.btn-quote:focus-visible {
  background: var(--bs-green-deep);
  border-color: var(--bs-green-deep);
  color: #fff;
  box-shadow: 0 14px 30px rgba(0, 181, 135, .40);
  transform: translateY(-3px);
}
.btn-primary:active,
.btn-quote:active { transform: translateY(0) scale(.98); box-shadow: 0 4px 10px rgba(0, 181, 135, .30); }

.btn-secondary { background: var(--bs-blue); color: #fff; border-color: var(--bs-blue); box-shadow: var(--shadow-btn); }
.btn-secondary:hover { background: var(--bs-blue-dark); border-color: var(--bs-blue-dark); color: #fff; box-shadow: 0 10px 24px rgba(32, 56, 100, .38); transform: translateY(-2px); }

.btn-outline { background: #fff; color: var(--bs-blue); border-color: var(--bs-blue); }
.btn-outline:hover { background: var(--bs-blue); color: #fff; }

.btn-ghost-light { background: rgba(255, 255, 255, .12); color: #fff; border-color: rgba(255, 255, 255, .55); }
.btn-ghost-light:hover { background: #fff; color: var(--bs-blue); }

.btn-sm { min-height: 42px; padding: 11px 22px; font-size: .88rem; }
.btn-block { width: 100%; }

.btn-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }

/* ---------- Skip link ---------- */
.skip-link { position: absolute; left: -9999px; top: 0; background: var(--bs-blue); color: #fff; padding: 10px 18px; z-index: 2000; border-radius: 0 0 10px 0; font-family: var(--font-head); }
.skip-link:focus { left: 0; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: #fff;
  border-bottom: 1px solid var(--line);
  transition: box-shadow .25s;
}
.site-header.scrolled { box-shadow: 0 6px 24px rgba(26, 26, 26, .09); }

.header-inner { display: flex; align-items: center; gap: 16px; padding: 12px 0; min-height: 72px; }

.brand { flex: none; display: inline-flex; align-items: center; }
.brand img { height: 38px; width: auto; transition: height .2s ease; }
@media (min-width: 900px) { .brand img { height: 46px; } }

.main-nav { display: none; align-items: center; gap: 4px; margin-left: auto; }

.main-nav a {
  position: relative;
  font-family: var(--font-head);
  font-weight: 500;
  font-size: .78rem;
  letter-spacing: .05em;
  text-transform: uppercase;
  color: var(--bs-blue);
  padding: 8px 11px;
  border-radius: 8px;
  transition: color .2s, background .2s;
  white-space: nowrap;
}
.main-nav a:hover { color: var(--bs-green-deep); background: var(--bg-soft); }

.header-cta { margin-left: 6px; }

.nav-toggle {
  display: inline-flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  margin-left: auto;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fff;
  cursor: pointer;
  padding: 12px 11px;
}
.nav-toggle span { display: block; height: 2px; width: 100%; background: var(--bs-blue); border-radius: 2px; transition: transform .3s ease, opacity .2s ease; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-nav { display: none; border-top: 1px solid var(--line); background: #fff; }
.mobile-nav.open { display: block; }
.mobile-nav a.mm-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-family: var(--font-head);
  font-weight: 500;
  font-size: 1rem;
  color: var(--ink);
  padding: 14px 4px;
  border-bottom: 1px solid var(--line);
  transition: color .2s ease, transform .2s ease;
}
.mobile-nav a.mm-link:hover { color: var(--bs-green-deep); transform: translateX(4px); }
.mobile-nav .mm-ctas { display: flex; gap: 10px; padding: 16px 0 6px; }
.mobile-nav .mm-ctas .btn { flex: 1; }

@media (min-width: 1130px) {
  .main-nav { display: flex; }
  .nav-toggle { display: none; }
  .mobile-nav { display: none !important; }
}

/* ---------- Breadcrumb ---------- */
.breadcrumb { background: var(--bg-soft); border-bottom: 1px solid var(--line); padding: 12px 0; font-size: .82rem; }
.breadcrumb ol { display: flex; flex-wrap: wrap; align-items: center; gap: 8px; font-family: var(--font-head); }
.breadcrumb li { display: flex; align-items: center; gap: 8px; color: var(--muted); }
.breadcrumb li + li::before { content: "/"; color: #c2c6cc; }
.breadcrumb a { color: var(--bs-blue); font-weight: 500; }
.breadcrumb a:hover { color: var(--bs-green-deep); text-decoration: underline; }
.breadcrumb [aria-current] { color: var(--ink); font-weight: 600; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background:
    radial-gradient(900px 420px at 85% 20%, rgba(0, 181, 135, .08), transparent 55%),
    radial-gradient(760px 480px at 95% 80%, rgba(0, 60, 143, .06), transparent 55%),
    #fff;
  overflow: hidden;
}

.hero-grid { display: grid; grid-template-columns: 1fr; gap: 44px; align-items: center; padding: 44px 0 60px; }
@media (min-width: 900px) { .hero-grid { grid-template-columns: 1.04fr .96fr; gap: 48px; padding: 60px 0 96px; } }

.trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  background: #fff;
  border: 1px solid var(--line);
  color: var(--bs-blue);
  font-family: var(--font-head);
  font-size: .7rem;
  font-weight: 600;
  letter-spacing: .2em;
  text-transform: uppercase;
  padding: 8px 16px;
  border-radius: 100px;
  box-shadow: var(--shadow-card);
  margin-bottom: 20px;
}
.trust-badge .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--bs-green); animation: badgePulse 2.4s ease-in-out infinite; }

@keyframes badgePulse { 0%, 100% { opacity: 1; transform: scale(1); } 50% { opacity: .6; transform: scale(1.25); } }

/* white-border highlight box under the H1 — existing palette only (navy + white) */
.hero-frame {
  display: inline-block;
  margin: 8px 0 0;
  padding: 13px 24px;
  background: #fff;
  border: 3px solid #fff;
  border-radius: 16px;
  box-shadow: 0 0 0 1px rgba(32, 56, 100, .30), 0 16px 34px rgba(32, 56, 100, .16);
  color: var(--bs-navy);
  font-family: var(--font-head);
  font-weight: 600;
  font-size: clamp(1.02rem, 1.5vw + .7rem, 1.6rem);
  line-height: 1.35;
  letter-spacing: -.01em;
  max-width: 560px;
  transition: box-shadow .25s ease, transform .25s ease;
}
.hero-frame:hover { transform: translateY(-2px); box-shadow: 0 0 0 1px rgba(32, 56, 100, .6), 0 20px 40px rgba(32, 56, 100, .22); }
.hero-frame .hl { color: inherit; background: none; }

.hero p.lead { font-size: clamp(1rem, 1.2vw + .8rem, 1.11rem); color: var(--body); max-width: 540px; margin-inline: 0; }

.hero-points { display: flex; flex-wrap: wrap; gap: 10px 22px; margin-top: 26px; padding-top: 22px; border-top: 1px dashed #d7dade; }
.hero-points li { display: flex; align-items: center; gap: 9px; font-family: var(--font-head); font-size: .84rem; font-weight: 500; color: var(--ink); }
.hero-points .tick {
  width: 22px; height: 22px;
  flex: none;
  border-radius: 50%;
  background: rgba(0, 181, 135, .14);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--bs-green-deep);
}
.hero-points .tick svg { width: 12px; height: 12px; }

.hero-media { position: relative; }
.hero-media::before {
  content: "";
  position: absolute;
  inset: 8% -6% -4% 6%;
  background: linear-gradient(160deg, rgba(32, 56, 100, .10), rgba(0, 181, 135, .10));
  border-radius: 44px;
  z-index: 0;
}

.hero-img-frame {
  position: relative;
  z-index: 1;
  border-radius: 26px;
  overflow: hidden;
  box-shadow: 0 24px 60px rgba(26, 26, 26, .18);
  border: 6px solid #fff;
  aspect-ratio: 4 / 3;
  background: var(--bg-soft);
}
.hero-img-frame img { width: 100%; height: 100%; object-fit: cover; }

/* floating chips on hero image */
.hero-chip {
  position: absolute;
  z-index: 2;
  display: flex;
  align-items: center;
  gap: 11px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  box-shadow: var(--shadow-card-hover);
  padding: 12px 16px;
  font-family: var(--font-head);
}
.hero-chip .ic { width: 38px; height: 38px; flex: none; border-radius: 12px; display: inline-flex; align-items: center; justify-content: center; }
.hero-chip .ic svg { width: 20px; height: 20px; }
.hero-chip strong { display: block; font-size: .85rem; font-weight: 600; color: var(--ink); line-height: 1.3; }
.hero-chip span { font-size: .72rem; color: var(--muted); }

.chip-wire { top: 6%; left: -2px; }
@media (min-width: 640px) { .chip-wire { left: -16px; } }
.chip-wire .ic { background: rgba(32, 56, 100, .10); color: var(--bs-blue); }
.chip-wire .pulse { position: relative; width: 10px; height: 10px; border-radius: 50%; background: var(--bs-red); flex: none; }
.chip-wire .pulse::after {
  content: "";
  position: absolute;
  inset: -5px;
  border-radius: 50%;
  border: 2px solid var(--bs-red);
  opacity: .6;
  animation: ring 1.8s ease-out infinite;
}
@keyframes ring { 0% { transform: scale(.5); opacity: .7; } 100% { transform: scale(1.5); opacity: 0; } }

.chip-claim { bottom: 8%; right: -2px; }
@media (min-width: 640px) { .chip-claim { right: -14px; } }
.chip-claim .ic { background: rgba(0, 181, 135, .14); color: var(--bs-green-deep); }

.hero-inset {
  position: absolute;
  z-index: 2;
  left: 50%;
  bottom: -40px;
  transform: translateX(-50%);
  width: 56%;
  max-width: 240px;
  background: #fff;
  border-radius: 18px;
  overflow: hidden;
  border: 5px solid #fff;
  box-shadow: 0 18px 44px rgba(26, 26, 26, .20);
  margin: 0;
}
@media (min-width: 900px) { .hero-inset { width: 40%; max-width: 260px; bottom: -44px; } }
.hero-inset img { width: 100%; height: auto; aspect-ratio: 4 / 3; object-fit: cover; }
.hero-inset span {
  display: block;
  font-family: var(--font-head);
  font-size: .7rem;
  font-weight: 500;
  color: var(--ink);
  text-align: center;
  padding: 9px 10px 10px;
  line-height: 1.4;
}

/* ---------- Feature bar overlapping hero ---------- */
.feature-bar-wrap { position: relative; z-index: 6; margin-top: -34px; }
@media (min-width: 900px) { .feature-bar-wrap { margin-top: -66px; } }

.feature-bar {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 6px 0;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 22px;
  box-shadow: 0 22px 54px rgba(26, 26, 26, .13);
  padding: 16px 8px;
}
@media (min-width: 640px) { .feature-bar { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 1000px) { .feature-bar { grid-template-columns: repeat(5, 1fr); gap: 0; padding: 22px 10px; } }

.feature-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 9px;
  padding: 10px 14px;
  position: relative;
}
@media (min-width: 1000px) {
  .feature-item + .feature-item::before {
    content: "";
    position: absolute;
    left: 0; top: 14%; bottom: 14%;
    width: 1px;
    background: var(--line);
  }
}

.feature-item .fi-ic {
  width: 46px; height: 46px;
  flex: none;
  border-radius: 50%;
  background: rgba(0, 181, 135, .13);
  color: var(--bs-green-deep);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: transform .25s ease, background .25s ease, color .25s ease;
}
.feature-item .fi-ic svg { width: 21px; height: 21px; }
.feature-item:hover .fi-ic { transform: translateY(-4px) scale(1.06); background: var(--bs-blue); color: #fff; }

.feature-item strong {
  display: block;
  font-family: var(--font-head);
  font-size: .84rem;
  font-weight: 600;
  color: var(--ink);
  line-height: 1.35;
}
.feature-item span { display: block; font-size: .74rem; color: var(--muted); line-height: 1.45; }

/* ---------- Quote strip (overlapping) ---------- */
.quote-wrap { position: relative; z-index: 5; margin-top: 26px; }
.quote-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 22px;
  box-shadow: 0 20px 50px rgba(26, 26, 26, .12);
  padding: 26px 22px;
}
@media (min-width: 900px) {
  .quote-card { padding: 30px 36px; display: grid; grid-template-columns: auto 1fr 1fr auto; gap: 22px; align-items: end; }
}
.quote-head h2 { font-size: clamp(1.15rem, 2vw + .6rem, 1.4rem); margin-bottom: 6px; }
.quote-head p { color: var(--muted); font-size: .86rem; max-width: 290px; }

/* ---------- Trust strip ---------- */
.trust-strip { background: #fff; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); padding: 34px 0; }
.trust-grid { display: grid; grid-template-columns: 1fr; gap: 22px; }
@media (min-width: 768px) { .trust-grid { grid-template-columns: repeat(3, 1fr); } }

.trust-item { display: flex; align-items: flex-start; gap: 14px; }
.trust-icon {
  width: 46px; height: 46px;
  flex: none;
  border-radius: 14px;
  background: rgba(32, 56, 100, .09);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--bs-blue);
  transition: transform .25s ease, background .25s ease, color .25s ease;
}
.trust-item:hover .trust-icon { transform: scale(1.08); background: rgba(0, 181, 135, .13); color: var(--bs-green-deep); }
.trust-item h3 { font-size: 1rem; margin-bottom: 3px; color: var(--ink); }
.trust-item p { font-size: .86rem; color: var(--muted); line-height: 1.5; }

/* ---------- Cards ---------- */
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-card);
  padding: 26px 22px;
  box-shadow: var(--shadow-card);
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
  height: 100%;
}
.card:hover { transform: translateY(-5px); box-shadow: var(--shadow-card-hover); border-color: #c9ccd1; }

.grid-2 { display: grid; gap: 20px; grid-template-columns: 1fr; }
.grid-3 { display: grid; gap: 18px; grid-template-columns: 1fr; }
.grid-4 { display: grid; gap: 16px; grid-template-columns: 1fr; }
@media (min-width: 640px) {
  .grid-2 { grid-template-columns: repeat(2, 1fr); gap: 24px; }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (min-width: 1000px) {
  .grid-3 { grid-template-columns: repeat(3, 1fr); }
  .grid-4 { grid-template-columns: repeat(4, 1fr); }
}

.icon-round {
  width: 50px; height: 50px;
  border-radius: 14px;
  background: rgba(32, 56, 100, .09);
  color: var(--bs-blue);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 15px;
  transition: transform .25s ease, background .25s ease, color .25s ease;
}
.card:hover .icon-round { transform: scale(1.09); }
.icon-round.orange,
.icon-round.green { background: rgba(0, 181, 135, .13); color: var(--bs-green-deep); }

.card h3 { font-size: 1.02rem; margin-bottom: 9px; }
.card p { font-size: .875rem; color: var(--muted); line-height: 1.6; }

/* split layout */
.split { display: grid; gap: 36px; grid-template-columns: 1fr; align-items: center; }
@media (min-width: 900px) { .split { grid-template-columns: 1fr 1fr; gap: 56px; } }

.media-frame {
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 22px 54px rgba(26, 26, 26, .15);
  border: 6px solid #fff;
  aspect-ratio: 4 / 3;
  background: var(--bg-soft);
  position: relative;
}
.media-frame img { width: 100%; height: 100%; object-fit: cover; }

.media-frame .float-tag {
  position: absolute;
  left: 18px;
  bottom: 18px;
  background: rgba(255, 255, 255, .94);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 11px 15px;
  font-family: var(--font-head);
  font-size: .78rem;
  font-weight: 600;
  color: var(--ink);
  display: flex;
  align-items: center;
  gap: 9px;
  box-shadow: var(--shadow-card);
}
.media-frame .float-tag svg { width: 17px; height: 17px; color: var(--bs-green-deep); }

.check-list { display: flex; flex-direction: column; gap: 4px; margin-top: 22px; }
.check-list li { position: relative; padding: 9px 0 9px 32px; font-size: .94rem; color: var(--body); border-bottom: 1px dashed var(--line); }
.check-list li:last-child { border-bottom: 0; }
.check-list li::before {
  content: "";
  position: absolute;
  left: 0; top: 13px;
  width: 19px; height: 19px;
  border-radius: 50%;
  background: rgba(0, 181, 135, .14) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2300785a' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/12px no-repeat;
}
.check-list li strong { color: var(--ink); }

/* ---------- Coverage comparison ---------- */
.coverage-card { position: relative; overflow: hidden; }
.coverage-card::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 5px; background: #cbd0d6; }
.coverage-card.featured::before { background: linear-gradient(90deg, var(--bs-green), var(--bs-green-hover)); }

.coverage-card .tag {
  display: inline-block;
  font-family: var(--font-head);
  font-size: .64rem;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--bs-blue);
  background: rgba(32, 56, 100, .09);
  border-radius: 100px;
  padding: 5px 12px;
  margin: 8px 0 14px;
}
.coverage-card.featured .tag { background: rgba(0, 181, 135, .14); color: var(--bs-green-deep); }

.compare-band {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 22px;
  padding: 28px 24px;
  display: grid;
  grid-template-columns: 1fr;
  gap: 22px;
  align-items: center;
  box-shadow: var(--shadow-card);
}
@media (min-width: 900px) { .compare-band { grid-template-columns: 1fr auto 1fr; gap: 26px; padding: 32px 34px; } }
.compare-band h3 { font-size: 1.1rem; margin-bottom: 8px; }
.compare-band p { font-size: .9rem; color: var(--muted); }

.compare-vs {
  width: 54px; height: 54px;
  border-radius: 50%;
  background: var(--bs-green);
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: .82rem;
  margin: 0 auto;
  box-shadow: 0 8px 18px rgba(0, 181, 135, .3);
}

/* ---------- Steps ---------- */
.steps { display: grid; gap: 16px; grid-template-columns: 1fr; }
@media (min-width: 640px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1130px) { .steps { grid-template-columns: repeat(3, 1fr); } }

.step-card {
  position: relative;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-card);
  padding: 30px 24px 24px;
  box-shadow: var(--shadow-card);
  transition: transform .25s, box-shadow .25s;
}
.step-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-card-hover); }

.step-top { display: flex; align-items: center; gap: 14px; margin-bottom: 13px; }

.step-num {
  position: absolute;
  top: 10px; right: 20px;
  font-family: var(--font-head);
  font-size: 2.6rem;
  font-weight: 700;
  color: #e8eff9;
  line-height: 1;
  transition: color .25s;
}
.step-card:hover .step-num { color: #d3e2f7; }

.step-card .icon-round { width: 48px; height: 48px; margin-bottom: 0; }
.step-card:hover .icon-round { transform: scale(1.1); background: rgba(0, 181, 135, .13); color: var(--bs-green-deep); }

.step-card h3 { font-size: 1rem; margin-bottom: 8px; }
.step-card p { font-size: .87rem; color: var(--muted); }

/* ---------- Claim process ---------- */
.process { display: grid; gap: 18px; grid-template-columns: 1fr; max-width: 1080px; margin: 0 auto; position: relative; }
@media (min-width: 700px) { .process { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 1100px) { .process { grid-template-columns: repeat(6, 1fr); } }

.process-item {
  position: relative;
  text-align: center;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 22px;
  padding: 30px 16px 24px;
  box-shadow: var(--shadow-card);
  transition: transform .25s, box-shadow .25s;
}
.process-item:hover { transform: translateY(-6px); box-shadow: var(--shadow-card-hover); }

.process-icon {
  width: 54px; height: 54px;
  margin: 0 auto 14px;
  border-radius: 50%;
  background: var(--bs-blue);
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 18px rgba(32, 56, 100, .35);
  transition: background .25s ease, transform .25s ease;
}
.process-item:hover .process-icon { background: var(--bs-green); transform: scale(1.06); }

.process-item h3 { font-size: 1rem; margin-bottom: 6px; }
.process-item p { font-size: .84rem; color: var(--muted); line-height: 1.55; }

.process-arrow { display: none; }

/* ---------- Documents ---------- */
.doc-list { display: grid; gap: 14px; grid-template-columns: 1fr; }
@media (min-width: 640px) { .doc-list { grid-template-columns: repeat(2, 1fr); } }

.doc-item {
  display: flex;
  gap: 13px;
  align-items: flex-start;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 17px;
  box-shadow: var(--shadow-card);
  font-size: .9rem;
  color: var(--body);
  transition: transform .25s ease, border-color .25s ease;
}
.doc-item:hover { transform: translateY(-3px); border-color: #c9ccd1; }
.doc-item svg { flex: none; color: var(--bs-green-deep); margin-top: 2px; width: 19px; height: 19px; }
.doc-item span small { display: block; color: var(--muted); font-size: .78rem; line-height: 1.5; }
.doc-item span { font-family: var(--font-head); font-weight: 500; font-size: .88rem; color: var(--ink); }

/* ---------- Serious damage (image + floating cards) ---------- */
.danger-wrap { position: relative; }

.danger-media {
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 24px 60px rgba(26, 26, 26, .16);
  border: 6px solid #fff;
  background: var(--bg-soft);
}
.danger-media img { width: 100%; aspect-ratio: 16 / 9; object-fit: cover; }

.float-cards {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
  margin-top: -52px;
  position: relative;
  z-index: 2;
  padding: 0 22px;
}
@media (min-width: 640px) { .float-cards { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) { .float-cards { grid-template-columns: repeat(4, 1fr); } }

.float-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-card);
  padding: 20px;
  box-shadow: 0 16px 40px rgba(8, 47, 107, .13);
  transition: transform .25s ease, box-shadow .25s ease;
}
.float-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-card-hover); }
.float-card h3 { font-size: .98rem; margin-bottom: 7px; }
.float-card p { font-size: .85rem; color: var(--muted); line-height: 1.55; }

/* ---------- Forms ---------- */
.renew-box {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 22px;
  box-shadow: 0 20px 50px rgba(26, 26, 26, .12);
  padding: 28px 22px;
}
@media (min-width: 900px) { .renew-box { padding: 34px; } }
.renew-box h3 { font-size: 1.25rem; font-family: var(--font-head); }
.renew-box > p { font-size: .9rem; color: var(--muted); }

.field { margin-bottom: 16px; }

.field label {
  display: block;
  font-family: var(--font-head);
  font-size: .76rem;
  font-weight: 600;
  letter-spacing: .05em;
  text-transform: uppercase;
  color: var(--ink);
  margin-bottom: 7px;
}

.field input,
.field select {
  width: 100%;
  font-family: var(--font-body);
  font-size: .95rem;
  color: var(--ink);
  background: #fff;
  border: 1.5px solid #d6d9de;
  border-radius: 12px;
  padding: 13px 15px;
  min-height: 50px;
  transition: border-color .2s, box-shadow .2s;
}
.field input::placeholder { color: #9aa7bc; }
.field input:focus,
.field select:focus { outline: none; border-color: var(--bs-blue); box-shadow: 0 0 0 4px rgba(32, 56, 100, .12); }
.field input[aria-invalid="true"],
.field select[aria-invalid="true"] { border-color: var(--bs-red); box-shadow: 0 0 0 4px rgba(217, 49, 46, .10); }

.field .hint { font-size: .76rem; color: var(--muted); margin-top: 6px; display: block; }
.field .error { display: none; font-size: .76rem; color: var(--bs-red); margin-top: 5px; font-weight: 500; font-family: var(--font-head); }
.field .error.show { display: block; }
.field .req { color: var(--bs-red); }

.consent {
  display: flex;
  gap: 7px;
  align-items: flex-start;
  font-size: .76rem;
  color: var(--muted);
  line-height: 1.6;
  margin: 6px 0 4px;
}
.consent svg { width: 14px; height: 14px; flex: none; color: var(--bs-green-deep); margin-top: 3px; }

.form-success {
  display: none;
  background: rgba(0, 181, 135, .10);
  border: 1px solid rgba(0, 181, 135, .35);
  color: var(--bs-green-deep);
  border-radius: 14px;
  padding: 14px 16px;
  font-size: .9rem;
  font-weight: 600;
  font-family: var(--font-head);
  margin-bottom: 16px;
}
.form-success.show { display: block; }

/* ---------- Why BimaStreet ---------- */
.why-card { text-align: left; }
.why-card .icon-round { background: var(--bs-blue); color: #fff; }
.why-card:nth-child(2) .icon-round,
.why-card:nth-child(4) .icon-round { background: var(--bs-green); }

/* ---------- Dark claim banner / trust band ---------- */
.trust-band {
  background: linear-gradient(135deg, #203864 0%, #1b3055 55%, #162746 100%);
  border-radius: 28px;
  padding: 44px 26px;
  position: relative;
  overflow: hidden;
  color: #fff;
}
@media (min-width: 900px) { .trust-band { padding: 64px 56px; } }
.trust-band::before,
.trust-band::after { content: ""; position: absolute; border-radius: 50%; background: rgba(255, 255, 255, .06); }
.trust-band::before { width: 340px; height: 340px; top: -140px; right: -90px; }
.trust-band::after { width: 220px; height: 220px; bottom: -110px; left: -60px; background: rgba(0, 181, 135, .12); }

.trust-band h2 { color: #fff; position: relative; font-size: clamp(1.5rem, 2.6vw + .6rem, 2.1rem); }
.trust-band > p { color: rgba(255, 255, 255, .82); position: relative; max-width: 560px; font-size: 1rem; margin-top: 12px; }

.pillars { display: grid; grid-template-columns: 1fr; gap: 24px; margin: 36px 0 32px; position: relative; }
@media (min-width: 768px) { .pillars { grid-template-columns: repeat(3, 1fr); } }

.pillar { border-top: 3px solid var(--bs-green); padding-top: 16px; }
.pillar h3 { color: #fff; font-size: 1.05rem; margin-bottom: 7px; }
.pillar p { font-size: .875rem; margin: 0; color: rgba(255, 255, 255, .75); }

/* ---------- FAQ ---------- */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  margin-bottom: 12px;
  overflow: hidden;
  box-shadow: var(--shadow-card);
  transition: border-color .2s, box-shadow .2s;
}
.faq-item[open] { border-color: #c9ccd1; box-shadow: var(--shadow-card-hover); }

.faq-item summary {
  list-style: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 20px;
  font-family: var(--font-head);
  font-size: .95rem;
  font-weight: 600;
  color: var(--ink);
  line-height: 1.45;
  transition: color .2s ease;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary:hover { color: var(--bs-green-deep); }
.faq-item summary:focus-visible { outline: 2px solid var(--bs-green); outline-offset: -2px; }

.faq-item summary .chev,
.faq-item summary::after {
  content: "";
  width: 32px; height: 32px;
  flex: none;
  border-radius: 50%;
  background: var(--bg-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23203864' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E") center/16px no-repeat;
  color: var(--bs-blue);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: transform .3s, background-color .3s;
}
.faq-item summary .chev svg { width: 16px; height: 16px; }
.faq-item[open] summary .chev,
.faq-item[open] summary::after { transform: rotate(180deg); background-color: var(--bs-blue); background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23ffffff' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E"); }

.faq-answer { padding: 0 20px 18px; font-size: .9rem; color: var(--body); line-height: 1.7; animation: faqIn .3s ease; }
.faq-answer p { margin: 0; }
@keyframes faqIn { from { opacity: 0; transform: translateY(-6px); } to { opacity: 1; transform: none; } }

/* ---------- Final CTA ---------- */
.final-cta-art { position: relative; z-index: 1; width: min(340px, 72%); margin: 0 auto 10px; }
.final-cta-art img { width: 100%; height: auto; filter: drop-shadow(0 18px 34px rgba(0, 0, 0, .35)); animation: floatBounce 3.4s ease-in-out infinite; }
.final-cta {
  background: linear-gradient(135deg, #203864 0%, #1b3055 60%, #162746 100%);
  border-radius: 28px;
  padding: 52px 26px;
  text-align: center;
  position: relative;
  overflow: hidden;
  color: #fff;
}
@media (min-width: 900px) { .final-cta { padding: 78px 56px; } }
.final-cta::before { content: ""; position: absolute; width: 480px; height: 480px; border-radius: 50%; background: rgba(0, 181, 135, .12); top: -200px; right: -120px; }
.final-cta::after { content: ""; position: absolute; width: 300px; height: 300px; border-radius: 50%; background: rgba(255, 255, 255, .05); bottom: -140px; left: -80px; }

.final-cta .shield {
  position: relative;
  z-index: 1;
  width: 74px; height: 74px;
  margin: 0 auto 20px;
  border-radius: 22px;
  background: rgba(255, 255, 255, .10);
  border: 1px solid rgba(255, 255, 255, .28);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: #fff;
}
.final-cta h2 { color: #fff; position: relative; z-index: 1; }
.final-cta p.lead { position: relative; z-index: 1; color: rgba(255, 255, 255, .82); max-width: 640px; margin: 0 auto; font-size: 1.02rem; }
.final-cta .btn-row { position: relative; z-index: 1; justify-content: center; }
.final-cta .btn-outline { background: transparent; color: #fff; border-color: rgba(255, 255, 255, .6); }
.final-cta .btn-outline:hover { background: #fff; color: var(--bs-blue); }

/* ---------- Trust statement ---------- */
.statement { text-align: center; }
.statement ul { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin: 24px auto 0; max-width: 940px; }
.statement li {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-head);
  font-size: .8rem;
  font-weight: 500;
  color: var(--ink);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 100px;
  padding: 9px 17px;
  transition: border-color .2s ease, box-shadow .2s ease, transform .2s ease;
}
.statement li:hover { border-color: rgba(0, 181, 135, .45); box-shadow: 0 8px 18px rgba(0, 181, 135, .14); transform: translateY(-3px); }
.statement li svg { width: 15px; height: 15px; color: var(--bs-green-deep); }

/* ---------- Disclaimer ---------- */
.disclaimer { background: var(--bg-soft); border-top: 1px solid var(--line); }
.disclaimer p { font-size: .78rem; line-height: 1.75; color: var(--muted); max-width: 1080px; }
.disclaimer strong { color: var(--body); display: block; margin-bottom: 6px; font-family: var(--font-head); font-size: .8rem; }

/* ---------- Footer ---------- */
.site-footer { background: linear-gradient(180deg, #203864 0%, #1b3055 55%, #162746 100%); color: #c3d3ee; padding: 56px 0 0; }

.footer-grid { display: grid; gap: 30px; grid-template-columns: repeat(2, 1fr); padding-bottom: 36px; }
@media (min-width: 768px) { .footer-grid { grid-template-columns: repeat(4, 1fr); } }
@media (min-width: 1080px) { .footer-grid { grid-template-columns: 1.5fr 1fr 1fr 1fr 1.2fr; } }

.footer-brand img { height: 44px; width: auto; background: #fff; padding: 6px 10px; border-radius: 8px; margin-bottom: 16px; }
.footer-brand p { font-size: .875rem; line-height: 1.7; color: #b7c9e7; }

.site-footer h4 { color: #fff; font-family: var(--font-head); font-size: .8rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; margin-bottom: 16px; }
.site-footer ul { display: flex; flex-direction: column; gap: 10px; }
.site-footer a { color: #c3d3ee; font-size: .88rem; transition: color .2s ease; }
.site-footer a:hover { color: var(--bs-green-hover); }

.socials { display: flex; gap: 10px; margin-top: 18px; }
.socials a {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: rgba(255, 255, 255, .10);
  border: 1px solid rgba(255, 255, 255, .22);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  transition: all .2s ease;
}
.socials a:hover { background: var(--bs-green); border-color: var(--bs-green); transform: translateY(-3px); }

.footer-corp { border-top: 1px solid rgba(255, 255, 255, .13); padding: 26px 0; }
.footer-corp h4 { text-transform: none; letter-spacing: 0; font-size: .95rem; margin-bottom: 12px; }
.footer-corp p { font-size: .82rem; line-height: 1.75; color: #b7c9e7; margin-bottom: 12px; }
.footer-corp strong { color: #fff; }

.footer-bottom { border-top: 1px solid rgba(255, 255, 255, .13); padding: 18px 0; display: flex; flex-wrap: wrap; gap: 10px; justify-content: space-between; font-size: .8rem; color: #9fb6dc; }

/* ---------- Sticky mobile CTA ---------- */
.sticky-cta {
  display: none;
  gap: 10px;
  position: fixed;
  left: 0; right: 0; bottom: 0;
  z-index: 1200;
  background: rgba(255, 255, 255, .96);
  backdrop-filter: blur(10px);
  border-top: 1px solid var(--line);
  padding: 10px 14px calc(10px + env(safe-area-inset-bottom));
  box-shadow: 0 -6px 24px rgba(26, 26, 26, .10);
}
.sticky-cta .btn { flex: 1; min-height: 48px; padding: 12px 14px; font-size: .9rem; white-space: normal; }
.sticky-cta .btn:first-child { flex: 1.2; }
@media (max-width: 1129px) { .sticky-cta { display: flex; } body { padding-bottom: 74px; } }

/* ---------- Floating contact (desktop) ---------- */
.float-help { display: none; position: fixed; right: 26px; bottom: 26px; z-index: 1100; flex-direction: column; gap: 14px; align-items: flex-end; opacity: 0; transform: translateY(24px); transition: opacity .4s ease, transform .4s ease; }
@media (min-width: 1130px) { .float-help { display: flex; } }
.float-help.visible { opacity: 1; transform: none; }

.float-help .fh-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 100px;
  box-shadow: var(--shadow-card-hover);
  padding: 9px 16px;
  font-family: var(--font-head);
  font-size: .78rem;
  font-weight: 600;
  color: var(--ink);
}
.float-help .fh-label .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--bs-green); animation: badgePulse 2.4s ease-in-out infinite; }

.float-help .fab {
  width: 58px; height: 58px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 26px rgba(26, 26, 26, .25);
  transition: transform .25s ease, box-shadow .25s ease;
  animation: floatBounce 2.6s ease-in-out infinite;
}
.float-help .fab:hover { animation-play-state: paused; transform: translateY(-3px) scale(1.08); box-shadow: 0 14px 34px rgba(26, 26, 26, .32); }
.float-help .fab svg { width: 26px; height: 26px; color: #fff; }
.float-help .fab.wa { background: var(--bs-green-deep); }
.float-help .fab.ph { background: var(--bs-phone); animation-delay: 1.3s; }

@keyframes floatBounce { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-8px); } }

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .65s ease, transform .65s cubic-bezier(.22, 1, .36, 1); }
.reveal.in { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
  * { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}

/* ---------- Legacy helpers still used in markup ---------- */
.mobile-bar { display: none; }
.float-help .fh-text { display: none; }

@media (max-width: 640px) {
  .container { padding-inline: 18px; }
  .btn-row { flex-direction: column; }
  .btn-row .btn { width: 100%; white-space: normal; }
  .hero-inset { position: static; transform: none; width: 100%; max-width: none; margin-top: 14px; border-radius: 18px; }
  .hero-inset img { aspect-ratio: 16 / 9; }
  .float-cards { grid-template-columns: 1fr; padding: 0; margin-top: 22px; }
  .statement ul { flex-direction: column; align-items: center; }
  .footer-grid { grid-template-columns: 1fr; }
  .quote-head p { max-width: none; }
}