/* ═══════════════════════════════════════════════════════════
   CoverMeOnline — Global Stylesheet
   ═══════════════════════════════════════════════════════════ */

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; }
*:not(dialog) { margin: 0; }
body { line-height: 1.5; -webkit-font-smoothing: antialiased; }
img, picture, video, canvas, svg { display: block; max-width: 100%; }
input, button, textarea, select { font: inherit; }
p, h1, h2, h3, h4, h5, h6 { overflow-wrap: break-word; }
p { text-wrap: pretty; }
h1, h2, h3, h4, h5, h6 { text-wrap: balance; }

/* ── Base ── */
html, body { font-family: "Lato", sans-serif; }
html { scroll-behavior: smooth; }
body { background-color: #FAF0CA; color: #1D1D1D; padding-top: 80px; }
li, a, button { font-weight: bold; font-size: 25px; color: white; text-decoration: none; }

/* ── Header ── */
.header {
  background-color: #0D3B66;
  color: white;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 2%;
  position: fixed;
  top: 0; left: 0;
  width: 100%;
  z-index: 1000;
  transform: translateZ(0);
  will-change: transform;
  backface-visibility: hidden;
}
.header * { transform: translateZ(0); backface-visibility: hidden; }
.logo { font-family: "Oswald", sans-serif; cursor: pointer; font-size: 42px; }
.logo a { color: #F95738 !important; text-decoration: none; }
.links { list-style: none; }
.links li { display: inline-block; padding: 0 40px; }
.links li a { transition: all 0.3s ease 0s; }
.links li a:hover { color: #F95738; }
.header-actions { display: flex; align-items: center; gap: 15px; }
.header-phone { display: flex; align-items: center; gap: 6px; color: #F95738; text-decoration: none; font-size: 18px; }
.header-phone:hover { color: white; }
.phone-icon { font-size: 16px; }

button {
  padding: 9px 25px;
  background-color: #F95738;
  border: none;
  border-radius: 30px;
  cursor: pointer;
  transition: all 0.3s ease 0s;
  color: white;
}
button:hover { background-color: #D9442D; color: white; }
nav { margin-left: -40px; }

/* ── Hamburger ── */
.hamburger {
  display: none;
  position: fixed;
  top: 22px;
  right: 20px;
  z-index: 1001;
  background: none;
  border: none;
  padding: 5px;
  cursor: pointer;
  flex-direction: column;
  gap: 5px;
}
.hamburger span {
  display: block;
  width: 28px;
  height: 3px;
  background: white;
  border-radius: 3px;
  transition: all 0.3s ease;
}
.hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(6px, 6px); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(6px, -6px); }
.mobile-menu {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  background: #0D3B66;
  padding: 80px 20px 30px;
  z-index: 999;
  flex-direction: column;
  gap: 15px;
}
.mobile-menu.active { display: flex; }
.mobile-menu a { color: white; font-size: 20px; padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,0.1); }

/* ── Hero Section ── */
.container {
  display: grid;
  grid-template-columns: 40% 1fr;
  gap: 20px;
  min-height: 100vh;
  background: #FAF0CA;
  padding: 0 2%;
  place-items: center;
}
.part1 { color: #1D1D1D; font-size: 30px; margin-top: 30px; }
.heading {
  font-family: "Oswald", sans-serif;
  position: relative;
  text-align: center;
  font-size: 72px;
}
.heading::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 10px;
  width: 100%;
  height: 35%;
  background-color: #F95738;
  z-index: -1;
  border-radius: 6px;
}
.p { font-size: 20px; color: #1D1D1D; text-align: center; }
.part2 { display: grid; place-items: center; height: 100%; }
.family { max-width: 90%; height: 90%; object-fit: cover; border-radius: 12px; }
.checkbox {
  margin-top: 20px;
  background-color: #FFFFFF;
  border-radius: 10px;
  padding: 15px;
  box-shadow: 0 2px 6px rgba(0,0,0,0.1);
}
.checkbox li {
  list-style: none;
  color: #1D1D1D;
  font-size: 18px;
  line-height: 1.6;
}

/* ── Animations ── */
@keyframes slideInLeft { 0% { opacity: 0; transform: translateX(-100px); } 100% { opacity: 1; transform: translateX(0); } }
.part1 h1, .part1 p, .part1 .checkbox { animation: slideInLeft 1s ease-out forwards; }
@keyframes slideInRight { 0% { opacity: 0; transform: translateX(100px); } 100% { opacity: 1; transform: translateX(0); } }
.part2 .family { animation: slideInRight 1s ease-out forwards; }

/* ── Services Carousel ── */
.services-section { display: grid; grid-template-columns: 40% 1fr; align-items: center; gap: 40px; padding: 60px 5%; background: #FAF0CA; }
.services-copy { text-align: center; display: flex; flex-direction: column; align-items: center; justify-content: center; max-width: 500px; }
.services-carousel { position: relative; width: 100%; max-width: 520px; margin: 0 auto; padding: 0 60px; }
.services-viewport { overflow: hidden; width: 100%; border-radius: 24px; }
.services-track { display: flex !important; flex-wrap: nowrap !important; transition: transform 0.45s ease; }
.service-card {
  width: 100% !important; min-width: 100% !important; max-width: 100% !important;
  flex: 0 0 100% !important; flex-shrink: 0 !important;
  background-color: #0D3B66; color: white;
  border: 2px solid #F95738; border-radius: 24px;
  padding: 24px 22px 26px; text-align: center;
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.15);
}
.service-card button { margin-top: 10px; }
.service-title { font-family: "Oswald", sans-serif; font-size: 26px; margin-bottom: 10px; }
.service-text { margin-top: 14px; color: white; }
.card-img { width: 100%; height: 320px; object-fit: cover; border-radius: 15px; margin: 15px 0 20px; box-shadow: 0 4px 12px rgba(0, 0, 0, 0.2); transition: transform 0.3s ease; }
.card-img:hover { transform: scale(1.02); }
.services-arrow {
  position: absolute; top: 50%; transform: translateY(-50%);
  background-color: #F95738; color: white; border: none;
  width: 48px; height: 48px; border-radius: 50%;
  font-size: 26px; font-weight: bold; cursor: pointer; z-index: 5;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 15px rgba(249, 87, 56, 0.5); transition: all 0.3s ease;
}
.services-arrow:hover { background-color: #D9442D; transform: translateY(-50%) scale(1.08); }
.services-arrow.prev { left: 5px; }
.services-arrow.next { right: 5px; }
.services-dots { display: flex; justify-content: center; gap: 10px; margin-top: 18px; }
.services-dot { width: 12px; height: 12px; border-radius: 999px; border: none; background-color: #0D3B66; cursor: pointer; transition: all 0.3s ease; padding: 0; }
.services-dot.active { width: 28px; background-color: #F95738; }

/* ── Testimonials ── */
.testimonials-section { background: #FAF0CA; padding: 80px 5% 100px; }
.testimonial-container { position: relative; max-width: 900px; margin: 0 auto; padding: 0 70px; }
.testimonial-viewport { overflow: hidden; width: 100%; }
.testimonial-track { display: flex !important; flex-wrap: nowrap !important; transition: transform 0.5s ease-in-out; }
.testimonial-slide { width: 100% !important; min-width: 100% !important; max-width: 100% !important; flex: 0 0 100% !important; flex-shrink: 0 !important; padding: 0 10px; }
.testimonial-card { background: white; border-radius: 20px; padding: 40px; box-shadow: 0 8px 30px rgba(0, 0, 0, 0.1); text-align: center; border: 3px solid #0D3B66; }
.testimonial-stars { color: #F95738; font-size: 28px; margin-bottom: 20px; letter-spacing: 3px; }
.testimonial-text { font-size: 18px; line-height: 1.8; color: #1D1D1D; margin-bottom: 20px; font-style: italic; }
.testimonial-author { font-size: 16px; color: #0D3B66; font-weight: 700; }
.testimonial-arrows {
  position: absolute; top: 50%; transform: translateY(-50%);
  background-color: #F95738; color: white; border: none;
  width: 50px; height: 50px; border-radius: 50%;
  font-size: 24px; cursor: pointer; z-index: 10;
  transition: all 0.3s ease; display: flex; align-items: center; justify-content: center; padding: 0;
}
.testimonial-arrows:hover { background-color: #D9442D; transform: translateY(-50%) scale(1.1); }
.testimonial-arrows.prev { left: 0; }
.testimonial-arrows.next { right: 0; }
.testimonial-dots { text-align: center; margin-top: 30px; display: flex; justify-content: center; gap: 8px; }
.testimonial-dot { width: 12px; height: 12px; background-color: #E0E0E0; border-radius: 50%; cursor: pointer; transition: all 0.3s ease; border: none; padding: 0; }
.testimonial-dot.active { background-color: #F95738; width: 30px; border-radius: 6px; }

/* ── Why Choose Us ── */
.WhyChooseUs {
  display: grid; grid-template-columns: repeat(2, 1fr);
  gap: 40px 20px; counter-reset: card; width: 90%;
  margin: 0 auto; border-bottom-left-radius: 40px;
  border-bottom-right-radius: 40px; padding-bottom: 60px;
  background-color: #0D3B66;
}
.title {
  font-family: 'Oswald', sans-serif; display: inline-block;
  font-size: 40px; font-weight: 600; background-color: #F95738;
  color: #1D1D1D; padding: 15px 40px; border-radius: 8px; margin: 0 auto;
}
.c {
  background-color: white; width: 100%; max-width: 400px;
  padding: 20px; border-radius: 20px; position: relative;
  text-align: center; margin: 60px auto 0;
}
.c::before {
  counter-increment: card; content: "0" counter(card);
  position: absolute; top: -60px; left: 50%; transform: translateX(-50%);
  font-size: 2rem; font-weight: 700; color: white;
}

/* ── Stats Section ── */
.stats-section { padding: 60px 5%; }
.stats-grid { max-width: 1200px; margin: 0 auto; display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 40px; text-align: center; }
.stat-number { font-size: 56px; font-weight: 700; color: #0D3B66; margin-bottom: 10px; }
.stat-label { color: #1D1D1D; font-size: 25px; opacity: 0.9; }

/* ── FAQ ── */
.faq-section { padding: 60px 5%; background: linear-gradient(135deg, #0D3B66 0%, #094166 100%); color: white; }
.faq-container { max-width: 900px; margin: 0 auto; }
details {
  background: rgba(255, 255, 255, 0.95); color: #1a1a1a;
  padding: 25px 30px; border-radius: 12px; margin-bottom: 20px;
  box-shadow: 0 4px 6px rgba(0,0,0,0.2); transition: all 0.3s ease;
  cursor: pointer; border-left: 4px solid #F95738;
}
details:hover { box-shadow: 0 6px 16px rgba(249, 87, 56, 0.3) !important; transform: translateY(-3px); }
details[open] { box-shadow: 0 6px 20px rgba(249, 87, 56, 0.4) !important; }
details[open] summary span:last-child { transform: rotate(45deg); }
details summary::-webkit-details-marker { display: none; }
details summary {
  font-weight: 700; font-size: 20px; cursor: pointer;
  display: flex; align-items: center; justify-content: space-between;
  user-select: none; color: #0D3B66;
}
details .faq-toggle { font-size: 24px; color: #F95738; transition: transform 0.3s ease; }
details p {
  margin-top: 20px; line-height: 1.7; color: #4a4a4a;
  padding-top: 15px; border-top: 1px solid rgba(13, 59, 102, 0.2);
}

/* ── Newsletter ── */
.newsletter-section { padding: 80px 5%; position: relative; overflow: hidden; }
.newsletter-inner { max-width: 900px; margin: 0 auto; text-align: center; position: relative; z-index: 1; }
.newsletter-icon {
  width: 80px; height: 80px; background: linear-gradient(135deg, #0D3B66, #094166);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  margin: 0 auto 30px; box-shadow: 0 8px 20px rgba(13, 59, 102, 0.3);
  font-size: 40px;
}
.newsletter-form { max-width: 600px; margin: 0 auto; }
.newsletter-form .form-row { display: flex; gap: 15px; margin-bottom: 20px; flex-wrap: wrap; justify-content: center; }
.newsletter-form input[type="email"] {
  flex: 1; min-width: 280px; padding: 20px 25px; border: 3px solid #0D3B66;
  border-radius: 12px; font-size: 16px; background: white; color: #0D3B66;
  box-shadow: 0 4px 10px rgba(13, 59, 102, 0.1);
}
.newsletter-form input[type="email"]:focus { outline: none; border-color: #F95738; box-shadow: 0 0 0 4px rgba(249, 87, 56, 0.2); transform: translateY(-2px); }

/* ── Homepage Quote CTA ── */
.quote-cta-section {
  background: linear-gradient(135deg, #0D3B66, #094166);
  padding: 60px 5%;
  text-align: center;
  color: white;
}
.quote-cta-section h2 {
  font-family: "Oswald", sans-serif;
  font-size: 42px;
  margin-bottom: 15px;
}
.quote-cta-section p { font-size: 20px; margin-bottom: 30px; opacity: 0.9; }
.quote-cta-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 20px;
  max-width: 900px;
  margin: 0 auto 30px;
}
.quote-cta-card {
  background: rgba(255,255,255,0.1);
  border: 2px solid rgba(249, 87, 56, 0.4);
  border-radius: 16px;
  padding: 25px 20px;
  text-align: center;
  transition: all 0.3s ease;
  text-decoration: none;
  color: white;
}
.quote-cta-card:hover {
  background: rgba(249, 87, 56, 0.2);
  border-color: #F95738;
  transform: translateY(-5px);
  box-shadow: 0 8px 25px rgba(249, 87, 56, 0.3);
}
.quote-cta-card .card-icon { font-size: 40px; margin-bottom: 10px; }
.quote-cta-card h3 { font-size: 18px; margin-bottom: 5px; font-weight: 700; }
.quote-cta-card p { font-size: 14px; opacity: 0.8; margin-bottom: 0; }

/* ── Cross-links Section ── */
.cross-links-section {
  background: #0D3B66;
  padding: 50px 5%;
  text-align: center;
}
.cross-links-section h2 {
  font-family: "Oswald", sans-serif;
  font-size: 32px;
  color: white;
  margin-bottom: 30px;
}
.cross-links-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 15px;
  max-width: 1000px;
  margin: 0 auto;
}
.cross-link-card {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 12px;
  padding: 20px 15px;
  color: white;
  text-decoration: none;
  transition: all 0.3s ease;
  font-size: 16px;
  font-weight: 700;
}
.cross-link-card:hover {
  background: #F95738;
  border-color: #F95738;
  transform: translateY(-3px);
}

/* ── Footer ── */
footer {
  background: linear-gradient(180deg, #0D3B66 0%, #062849 100%);
  color: white;
  padding: 80px 5% 40px;
  border-radius: 60px 60px 0 0;
  margin-top: -30px;
  position: relative;
}
.footer-inner { max-width: 1200px; margin: 0 auto; }
.footer-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 50px; margin-bottom: 60px; }
.footer-heading { font-size: 28px; font-weight: 700; margin-bottom: 20px; color: #F95738; }
.footer-subheading { font-size: 20px; font-weight: 700; margin-bottom: 25px; color: #F95738; }
.footer-text { line-height: 1.8; opacity: 0.9; margin-bottom: 25px; font-size: 16px; }
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: 15px; }
.footer-links a { color: white; text-decoration: none; opacity: 0.9; transition: all 0.3s ease; display: inline-block; font-size: 16px; }
.footer-links a:hover { color: #F95738; transform: translateX(5px); }
.footer-contact { list-style: none; padding: 0; margin: 0; }
.footer-contact li { margin-bottom: 20px; display: flex; align-items: start; gap: 12px; }
.footer-contact a { color: white; text-decoration: none; font-size: 16px; }
.footer-contact a:hover { color: #F95738; }
.contact-icon { font-size: 18px; flex-shrink: 0; }
.footer-contact div { opacity: 0.9; line-height: 1.6; font-size: 16px; }
.footer-divider { height: 2px; background: linear-gradient(90deg, transparent, rgba(249, 87, 56, 0.5), transparent); margin-bottom: 30px; }
.footer-bottom { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 20px; opacity: 0.9; }
.footer-copyright { font-size: 14px; }
.footer-legal { display: flex; gap: 30px; font-size: 14px; }
.footer-legal a { color: white; text-decoration: none; transition: color 0.3s ease; }
.footer-legal a:hover { color: #F95738; }

/* ── Blog Layout ── */
.blog-hero { background: linear-gradient(135deg, #0D3B66, #094166); color: white; padding: 60px 5% 80px; text-align: center; }
.blog-hero h1 { font-family: "Oswald", sans-serif; font-size: 48px; margin-bottom: 15px; }
.blog-hero p { font-size: 20px; opacity: 0.9; max-width: 600px; margin: 0 auto; }
.blog-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(340px, 1fr)); gap: 30px; max-width: 1200px; margin: -40px auto 60px; padding: 0 5%; }
.blog-card {
  background: white; border-radius: 16px; overflow: hidden;
  box-shadow: 0 4px 20px rgba(0,0,0,0.1); transition: all 0.3s ease;
  text-decoration: none; color: #1D1D1D;
}
.blog-card:hover { transform: translateY(-5px); box-shadow: 0 8px 30px rgba(0,0,0,0.15); }
.blog-card-img { width: 100%; height: 200px; object-fit: cover; }
.blog-card-body { padding: 25px; }
.blog-card-tag { display: inline-block; background: #F95738; color: white; padding: 4px 12px; border-radius: 20px; font-size: 12px; font-weight: 700; margin-bottom: 12px; text-transform: uppercase; }
.blog-card h2 { font-family: "Oswald", sans-serif; font-size: 22px; color: #0D3B66; margin-bottom: 10px; line-height: 1.3; }
.blog-card p { font-size: 16px; line-height: 1.6; color: #666; }

/* Blog article */
.article-hero { background: linear-gradient(135deg, #0D3B66, #094166); color: white; padding: 80px 5%; text-align: center; }
.article-hero h1 { font-family: "Oswald", sans-serif; font-size: 42px; max-width: 800px; margin: 0 auto 15px; line-height: 1.2; }
.article-hero .article-meta { font-size: 16px; opacity: 0.8; }
.article-content { max-width: 800px; margin: 0 auto; padding: 50px 5% 80px; }
.article-content h2 { font-family: "Oswald", sans-serif; font-size: 28px; color: #0D3B66; margin: 40px 0 15px; }
.article-content h3 { font-size: 22px; color: #0D3B66; margin: 30px 0 12px; }
.article-content p { font-size: 18px; line-height: 1.8; color: #333; margin-bottom: 20px; }
.article-content ul, .article-content ol { margin: 15px 0 25px 30px; }
.article-content li { font-size: 18px; line-height: 1.7; color: #333; margin-bottom: 8px; }
.article-content blockquote { border-left: 4px solid #F95738; padding: 15px 25px; margin: 25px 0; background: rgba(249,87,56,0.05); border-radius: 0 8px 8px 0; }
.article-content blockquote p { font-style: italic; color: #555; margin-bottom: 0; }
.article-cta { background: #0D3B66; color: white; padding: 40px; border-radius: 16px; text-align: center; margin: 40px 0; }
.article-cta h3 { font-family: "Oswald", sans-serif; font-size: 28px; margin-bottom: 10px; }
.article-cta p { color: rgba(255,255,255,0.9); margin-bottom: 20px; }
.article-cta a { display: inline-block; padding: 15px 40px; background: #F95738; color: white; text-decoration: none; border-radius: 30px; font-weight: 700; font-size: 18px; transition: all 0.3s ease; }
.article-cta a:hover { background: #D9442D; transform: translateY(-3px); }

/* Legal pages */
.legal-hero { background: linear-gradient(135deg, #0D3B66, #094166); color: white; padding: 60px 5%; text-align: center; }
.legal-hero h1 { font-family: "Oswald", sans-serif; font-size: 42px; margin-bottom: 10px; }
.legal-hero p { font-size: 16px; opacity: 0.8; }
.legal-content { max-width: 800px; margin: 0 auto; padding: 50px 5% 80px; }
.legal-content h2 { font-family: "Oswald", sans-serif; font-size: 24px; color: #0D3B66; margin: 35px 0 12px; }
.legal-content p { font-size: 16px; line-height: 1.8; color: #333; margin-bottom: 15px; }
.legal-content ul { margin: 10px 0 20px 30px; }
.legal-content li { font-size: 16px; line-height: 1.7; color: #333; margin-bottom: 5px; }

/* ── Responsive ── */
@media (max-width: 1200px) {
  .services-carousel { padding: 0; max-width: 100%; margin-top: 20px; }
  .services-viewport { overflow-x: auto; overflow-y: hidden; -webkit-overflow-scrolling: touch; scroll-snap-type: x mandatory; scrollbar-width: none; padding: 0 15px 20px; }
  .services-viewport::-webkit-scrollbar { display: none; }
  .services-track { transition: none !important; transform: none !important; gap: 30px; }
  .service-card { scroll-snap-align: center; min-width: 85%; }
  .services-arrow { display: none !important; }
  .services-dots { display: none !important; }
  .testimonial-container { padding: 0; }
  .testimonial-viewport { overflow-x: auto; overflow-y: hidden; -webkit-overflow-scrolling: touch; scroll-snap-type: x mandatory; scrollbar-width: none; padding: 0 15px 20px; }
  .testimonial-viewport::-webkit-scrollbar { display: none; }
  .testimonial-track { transition: none !important; transform: none !important; gap: 30px; }
  .testimonial-slide { scroll-snap-align: center; min-width: 90%; padding: 0 10px; }
  .testimonial-arrows { display: none !important; }
  .testimonial-dots { display: none !important; }
  .header { padding: 15px 5%; }
  .header button { padding: 8px 20px; font-size: 18px; }
  .logo { font-size: 32px; }
  nav { display: none; }
  .hamburger { display: flex; }
  .header-phone .phone-text { display: none; }
  .container { grid-template-columns: 1fr; gap: 40px; height: auto; padding: 20px 5% 5%; }
  .part1 { text-align: center; font-size: 25px; margin-top: 0; }
  .heading { font-size: 50px; }
  .heading::after { bottom: 4px; height: 50%; }
  .p { font-size: 18px; }
  .part2 { width: 100%; height: auto; }
  .family { width: 100%; max-width: 100%; height: auto; }
  .services-section { grid-template-columns: 1fr; padding: 50px 5% 80px; text-align: center; }
  .services-copy { max-width: 800px; margin: 0 auto; }
  .WhyChooseUs { grid-template-columns: 1fr; gap: 30px; width: 95%; padding-bottom: 40px; padding-top: 40px; }
  .c { width: 90%; max-width: 100%; margin-top: 50px; }
  .title { font-size: clamp(28px, 6vw, 40px); padding: 12px 25px; }
  footer { border-radius: 40px 40px 0 0 !important; }
}

@media (max-width: 600px) {
  body { padding-top: 70px; }
  .header { padding: 12px 4%; }
  .logo { font-size: 28px; }
  li, a, button { font-size: 20px; }
  button { padding: 8px 20px; font-size: 18px; }
  .heading { font-size: 46px; }
  .p { font-size: 16px; }
  .part1 { font-size: 20px; }
  .checkbox li { font-size: 16px; }
  .services-section { padding: 40px 5% 60px; }
  .service-card { min-width: 90%; }
  .card-img { height: 280px; }
  .testimonial-slide { min-width: 95%; padding: 0 5px; }
  .testimonial-card { padding: 25px 15px; }
  .testimonial-text { font-size: 16px; }
  .blog-grid { grid-template-columns: 1fr; }
  .article-hero h1 { font-size: 32px; }
  footer { padding: 60px 5% 30px !important; }
}

/* ═══════════════════════════════════════════════════════════
   SEO Programmatic Pages
   ═══════════════════════════════════════════════════════════ */

/* ── Page Layout ── */
.seo-page { background: #FAF0CA; }
.seo-hero {
  background: linear-gradient(135deg, #0D3B66, #094166);
  color: white;
  padding: 60px 5% 50px;
  text-align: center;
}
.seo-hero h1 {
  font-family: "Oswald", sans-serif;
  font-size: 42px;
  max-width: 900px;
  margin: 0 auto 15px;
  line-height: 1.2;
}
.seo-hero-sub {
  font-size: 18px;
  opacity: 0.9;
  max-width: 700px;
  margin: 0 auto;
  line-height: 1.6;
}

.seo-content {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 40px;
  max-width: 1200px;
  margin: 0 auto;
  padding: 40px 5% 80px;
}
.seo-main { min-width: 0; }

/* ── Sections ── */
.seo-section {
  background: white;
  border-radius: 16px;
  padding: 35px 30px;
  margin-bottom: 30px;
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
}
.seo-section h2 {
  font-family: "Oswald", sans-serif;
  font-size: 28px;
  color: #0D3B66;
  margin-bottom: 15px;
}
.seo-section h3 {
  font-size: 20px;
  color: #0D3B66;
  margin: 25px 0 10px;
}
.seo-section p {
  font-size: 17px;
  line-height: 1.8;
  color: #333;
  margin-bottom: 12px;
}
.seo-section ul, .seo-section ol {
  margin: 12px 0 16px 25px;
}
.seo-section li {
  font-size: 17px;
  line-height: 1.7;
  color: #333;
  margin-bottom: 6px;
}

/* ── Breadcrumbs ── */
.seo-breadcrumbs {
  max-width: 1200px;
  margin: 0 auto;
  padding: 15px 5% 0;
}
.seo-breadcrumbs ol {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 0;
  margin: 0;
  padding: 0;
}
.seo-breadcrumbs li {
  font-size: 14px;
  color: #666;
}
.seo-breadcrumbs li + li::before {
  content: "›";
  margin: 0 8px;
  color: #999;
}
.seo-breadcrumbs a {
  color: #0D3B66;
  text-decoration: none;
  font-size: 14px;
  font-weight: 600;
}
.seo-breadcrumbs a:hover { color: #F95738; }

/* ── Tables ── */
.seo-table-wrap { overflow-x: auto; margin: 15px 0; }
.seo-table {
  width: 100%;
  border-collapse: collapse;
  background: white;
  border-radius: 8px;
  overflow: hidden;
}
.seo-table th {
  background: #0D3B66;
  color: white;
  padding: 14px 20px;
  text-align: left;
  font-size: 15px;
  font-weight: 700;
}
.seo-table td {
  padding: 12px 20px;
  border-bottom: 1px solid #eee;
  font-size: 16px;
  color: #333;
}
.seo-table tr:last-child td { border-bottom: none; }
.seo-table tr:nth-child(even) td { background: #f8f8f8; }

/* Comparison table — 3 columns */
.seo-comparison-table th:not(:first-child),
.seo-comparison-table td:not(:first-child) {
  text-align: center;
}

.seo-disclaimer {
  font-size: 13px !important;
  color: #888 !important;
  font-style: italic;
  margin-top: 8px;
}

/* ── Carrier List ── */
.seo-carrier-list {
  list-style: none;
  padding: 0;
  margin: 15px 0;
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 10px;
}
.seo-carrier-list li {
  background: #f0f7ff;
  border: 1px solid #d0e3f5;
  border-radius: 8px;
  padding: 12px 16px;
  font-weight: 700;
  color: #0D3B66;
  font-size: 15px;
}

/* ── Steps (ordered list) ── */
.seo-steps {
  counter-reset: step;
  list-style: none;
  padding: 0;
  margin: 15px 0;
}
.seo-steps li {
  counter-increment: step;
  position: relative;
  padding: 15px 15px 15px 55px;
  margin-bottom: 10px;
  background: #f9f9f9;
  border-radius: 10px;
  border-left: 3px solid #F95738;
}
.seo-steps li::before {
  content: counter(step);
  position: absolute;
  left: 12px;
  top: 12px;
  width: 30px;
  height: 30px;
  background: #F95738;
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 14px;
}

/* ── Check List ── */
.seo-check-list {
  list-style: none;
  padding: 0;
  margin: 15px 0;
}
.seo-check-list li {
  padding: 10px 10px 10px 35px;
  position: relative;
  margin-bottom: 8px;
}
.seo-check-list li::before {
  content: "✓";
  position: absolute;
  left: 8px;
  top: 10px;
  color: #F95738;
  font-weight: 700;
  font-size: 18px;
}

/* ── Pros/Cons Lists ── */
.seo-pros-list, .seo-cons-list {
  list-style: none;
  padding: 0;
  margin: 10px 0 15px;
}
.seo-pros-list li, .seo-cons-list li {
  padding: 6px 6px 6px 28px;
  position: relative;
}
.seo-pros-list li::before {
  content: "+";
  position: absolute;
  left: 4px;
  top: 6px;
  color: #28a745;
  font-weight: 900;
  font-size: 18px;
}
.seo-cons-list li::before {
  content: "−";
  position: absolute;
  left: 4px;
  top: 6px;
  color: #dc3545;
  font-weight: 900;
  font-size: 18px;
}

/* ── Carrier Detail ── */
.seo-carrier-detail {
  border: 1px solid #e0e0e0;
  border-radius: 12px;
  padding: 25px;
  background: #fafafa;
}

/* ── Verdict ── */
.seo-verdict {
  border-left: 4px solid #F95738;
  background: linear-gradient(135deg, #fff5f2, #fff);
}
.seo-verdict h2 { color: #F95738; }

/* ── Featured Snippet ── */
.seo-featured-answer {
  border-left: 4px solid #0D3B66;
  background: linear-gradient(135deg, #f0f7ff, #fff);
}
.seo-snippet {
  font-size: 19px !important;
  line-height: 1.7 !important;
  font-weight: 600;
  color: #0D3B66 !important;
}

/* ── Full Answer (allows inner HTML) ── */
.seo-full-answer h3 {
  font-size: 22px;
  color: #0D3B66;
  margin: 25px 0 10px;
}
.seo-full-answer p {
  font-size: 17px;
  line-height: 1.8;
  color: #333;
  margin-bottom: 15px;
}
.seo-full-answer ul, .seo-full-answer ol {
  margin: 10px 0 18px 25px;
}
.seo-full-answer li {
  font-size: 17px;
  line-height: 1.7;
  color: #333;
  margin-bottom: 5px;
}

/* ── Info Card ── */
.seo-info-card {
  background: #f0f7ff;
  border: 1px solid #d0e3f5;
  border-radius: 12px;
  padding: 20px 25px;
}
.seo-info-card p {
  margin-bottom: 6px !important;
  font-size: 16px !important;
}
.seo-info-card a { color: #0D3B66; font-size: 16px; }
.seo-info-card a:hover { color: #F95738; }

/* ── FAQ Items ── */
.seo-faq-item {
  background: white;
  border: 1px solid #e0e0e0;
  border-left: 4px solid #F95738;
  border-radius: 8px;
  padding: 18px 22px;
  margin-bottom: 12px;
  cursor: pointer;
  transition: box-shadow 0.3s ease;
}
.seo-faq-item:hover { box-shadow: 0 3px 12px rgba(0,0,0,0.08); }
.seo-faq-item[open] { box-shadow: 0 3px 15px rgba(249, 87, 56, 0.15); }
.seo-faq-item summary {
  font-weight: 700;
  font-size: 17px;
  color: #0D3B66;
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  list-style: none;
}
.seo-faq-item summary::-webkit-details-marker { display: none; }
.seo-faq-item[open] summary .faq-toggle { transform: rotate(45deg); }
.seo-faq-item p {
  margin-top: 12px;
  font-size: 16px;
  line-height: 1.7;
  color: #444;
}
.seo-faq-item a { color: #F95738; font-size: 16px; }

/* ── CTA Block ── */
.seo-cta-block {
  background: linear-gradient(135deg, #0D3B66, #094166);
  border-radius: 16px;
  padding: 40px 35px;
  margin-bottom: 30px;
  text-align: center;
  color: white;
}
.seo-cta-heading {
  font-family: "Oswald", sans-serif;
  font-size: 30px;
  margin-bottom: 10px;
  color: white;
}
.seo-cta-text {
  font-size: 17px !important;
  opacity: 0.9;
  margin-bottom: 20px !important;
  color: white !important;
}
.seo-cta-features {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 15px;
  margin-bottom: 25px;
}
.seo-cta-features span {
  background: rgba(255,255,255,0.15);
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: 20px;
  padding: 6px 15px;
  font-size: 13px;
  color: white;
  font-weight: 600;
}
.seo-cta-actions {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
}
.seo-cta-button {
  display: inline-block;
  padding: 16px 45px;
  background: #F95738;
  color: white !important;
  text-decoration: none;
  border-radius: 30px;
  font-weight: 700;
  font-size: 18px;
  transition: all 0.3s ease;
  border: none;
  cursor: pointer;
}
.seo-cta-button:hover {
  background: #D9442D;
  transform: translateY(-3px);
  box-shadow: 0 6px 20px rgba(249, 87, 56, 0.4);
}
.seo-cta-phone {
  color: rgba(255,255,255,0.8) !important;
  font-size: 15px;
  text-decoration: none;
}
.seo-cta-phone:hover { color: white !important; }

/* ── Related Pages Sidebar ── */
.seo-sidebar { position: sticky; top: 100px; align-self: start; }
.seo-related {
  background: white;
  border-radius: 16px;
  padding: 25px 20px;
  box-shadow: 0 2px 12px rgba(0,0,0,0.06);
}
.seo-related-heading {
  font-family: "Oswald", sans-serif;
  font-size: 20px;
  color: #0D3B66;
  margin-bottom: 15px;
  padding-bottom: 10px;
  border-bottom: 2px solid #F95738;
}
.seo-related-list {
  list-style: none;
  padding: 0;
  margin: 0;
}
.seo-related-list li {
  margin-bottom: 8px;
}
.seo-related-list a {
  color: #0D3B66;
  text-decoration: none;
  font-size: 14px;
  font-weight: 600;
  display: block;
  padding: 8px 10px;
  border-radius: 6px;
  transition: all 0.2s ease;
}
.seo-related-list a:hover {
  background: #f0f7ff;
  color: #F95738;
}

/* ── SEO Page Responsive ── */
@media (max-width: 1200px) {
  .seo-content {
    grid-template-columns: 1fr;
  }
  .seo-sidebar {
    position: static;
  }
}
@media (max-width: 600px) {
  .seo-hero { padding: 40px 5% 35px; }
  .seo-hero h1 { font-size: 30px; }
  .seo-hero-sub { font-size: 16px; }
  .seo-section { padding: 25px 20px; }
  .seo-section h2 { font-size: 24px; }
  .seo-cta-block { padding: 30px 20px; }
  .seo-cta-heading { font-size: 24px; }
  .seo-cta-features { gap: 8px; }
  .seo-cta-features span { font-size: 12px; padding: 5px 10px; }
  .seo-carrier-list { grid-template-columns: 1fr; }
  .seo-table th, .seo-table td { padding: 10px 12px; font-size: 14px; }
  .seo-steps li { padding-left: 48px; }
  .seo-breadcrumbs { padding: 10px 5% 0; }
}