/* --- CSS VARIABLES & RESET --- */
        :root {
            --primary: #003366; /* Deep Navy Blue */
            --secondary: #00a8cc; /* Bright Blue */
            --accent: #ff6b35; /* Orange for CTAs */
            --bg-light: #f4f7f9;
            --white: #ffffff;
            --text-dark: #1a202c;
            --text-light: #4a5568;
            --shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
            --transition: all 0.3s ease;
        }

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

        html {
            scroll-behavior: smooth;
        }

        body {
            font-family: 'Open Sans', sans-serif;
            color: var(--text-dark);
            line-height: 1.6;
            background-color: var(--white);
            overflow-x: hidden;
        }

        h1, h2, h3, h4, h5, h6 {
            font-family: 'Poppins', sans-serif;
            color: var(--primary);
            margin-bottom: 1rem;
            font-weight: 700;
        }

        p { margin-bottom: 1rem; color: var(--text-light); }
        a { text-decoration: none; transition: var(--transition); }
        ul { list-style: none; }
        img { max-width: 100%; display: block; }

        /* --- UTILITIES --- */
        .container {
            width: 90%;
            max-width: 1200px;
            margin: 0 auto;
            padding: 0 15px;
        }

        .section-padding {
            padding: 80px 0;
        }

        .text-center { text-align: center; }

        .btn {
            display: inline-block;
            padding: 12px 30px;
            border-radius: 50px;
            font-weight: 600;
            cursor: pointer;
            border: none;
            font-family: 'Poppins', sans-serif;
            transition: var(--transition);
            text-transform: uppercase;
            font-size: 0.9rem;
        }

        .btn-primary {
            background-color: var(--accent);
            color: var(--white);
        }

        .btn-primary:hover {
            background-color: #e05a24;
            transform: translateY(-2px);
            box-shadow: 0 10px 15px rgba(255, 107, 53, 0.3);
        }

        .btn-secondary {
            background-color: transparent;
            border: 2px solid var(--white);
            color: var(--white);
        }

        .btn-secondary:hover {
            background-color: var(--white);
            color: var(--primary);
        }

        .btn-outline {
            background-color: transparent;
            border: 2px solid var(--secondary);
            color: var(--secondary);
        }

        .btn-outline:hover {
            background-color: var(--secondary);
            color: var(--white);
        }

        /* --- HEADER --- */
        header {
            background-color: var(--white);
            box-shadow: var(--shadow);
            position: sticky;
            top: 0;
            z-index: 1000;
            padding: 15px 0;
        }

        .nav-wrapper {
            display: flex;
            justify-content: space-between;
            align-items: center;
        }

        .logo {
            font-size: 1.5rem;
            font-weight: 800;
            color: var(--primary);
            display: flex;
            align-items: center;
            gap: 10px;
        }

        .logo i { color: var(--secondary); }

        .nav-menu {
            display: flex;
            align-items: center;
            gap: 25px;
        }

        .nav-link {
            font-weight: 500;
            color: var(--text-dark);
            font-size: 0.95rem;
        }

        .nav-link:hover { color: var(--secondary); }

        .hamburger { display: none; font-size: 1.5rem; cursor: pointer; color: var(--primary); }

        /* --- HERO SECTION --- */
        .hero {
            position: relative;
            background: linear-gradient(rgba(0, 51, 102, 0.9), rgba(0, 51, 102, 0.8)), url('../images/hero.webp');
            background-size: cover;
            background-position: center;
            color: var(--white);
            padding: 160px 0 120px;
        }

        .hero h1 { color: var(--white); font-size: 3.5rem; margin-bottom: 20px; line-height: 1.2; }
        .hero p { color: #e2e8f0; font-size: 1.2rem; max-width: 800px; margin: 0 auto 30px; }
        
        .hero-btns { display: flex; gap: 15px; justify-content: center; }

        /* --- ABOUT US --- */
        .about-grid {
            display: grid;
            grid-template-columns: 1fr 1fr;
            gap: 50px;
            align-items: center;
        }

        .about-bullets { margin-top: 20px; }
        .about-bullets li {
            margin-bottom: 15px;
            display: flex;
            align-items: center;
            gap: 15px;
            font-weight: 600;
        }

        .about-bullets i { color: var(--secondary); }

        /* --- INSURANCE CATEGORIES --- */
        .categories { background-color: var(--bg-light); }

        .grid-container {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
            gap: 30px;
            margin-top: 40px;
        }

        .category-card {
            background: var(--white);
            padding: 30px;
            border-radius: 10px;
            box-shadow: var(--shadow);
            transition: var(--transition);
            text-align: center;
            border-bottom: 4px solid transparent;
        }

        .category-card:hover {
            transform: translateY(-10px);
            border-bottom-color: var(--secondary);
        }

        .icon-box {
            width: 70px;
            height: 70px;
            background: #e0f2fe;
            color: var(--secondary);
            border-radius: 50%;
            display: flex;
            align-items: center;
            justify-content: center;
            margin: 0 auto 20px;
            font-size: 1.8rem;
        }

        /* --- WHY CHOOSE US --- */
        .benefit-card {
            display: flex;
            align-items: flex-start;
            gap: 20px;
            background: var(--white);
            padding: 25px;
            border-radius: 8px;
            box-shadow: var(--shadow);
        }

        .benefit-icon {
            font-size: 2rem;
            color: var(--accent);
            min-width: 50px;
        }

        /* --- TESTIMONIALS --- */
        .testimonials { background-color: var(--primary); color: var(--white); }
        .testimonials h2, .testimonials p { color: var(--white); }

        .testimonial-card {
            background: rgba(255,255,255,0.1);
            padding: 30px;
            border-radius: 10px;
            color: var(--white);
            font-style: italic;
        }
        
        .testimonial-author {
            margin-top: 20px;
            font-weight: 700;
            font-style: normal;
            color: var(--secondary);
        }

        /* --- GET A QUOTE FORM --- */
        .quote-section { background-color: var(--bg-light); }

        .form-wrapper {
            background: var(--white);
            max-width: 700px;
            margin: 0 auto;
            padding: 40px;
            border-radius: 10px;
            box-shadow: 0 10px 30px rgba(0,0,0,0.1);
        }

        .form-group { margin-bottom: 20px; }
        .form-control {
            width: 100%;
            padding: 12px;
            border: 1px solid #cbd5e0;
            border-radius: 5px;
            font-family: 'Open Sans', sans-serif;
            transition: var(--transition);
        }

        .form-control:focus {
            outline: none;
            border-color: var(--secondary);
            box-shadow: 0 0 0 3px rgba(0, 168, 204, 0.2);
        }

        /* --- NEWSLETTER --- */
        .newsletter-box {
            background: linear-gradient(135deg, var(--secondary), #0077b6);
            color: var(--white);
            padding: 60px 0;
            text-align: center;
        }

        .newsletter-form {
            max-width: 500px;
            margin: 30px auto 0;
            display: grid;
            gap: 15px;
        }

        .newsletter-checkbox {
            display: flex;
            align-items: center;
            gap: 10px;
            justify-content: center;
            font-size: 0.9rem;
        }

        /* --- FOOTER --- */
        footer {
            background-color: #111827;
            color: #9ca3af;
            padding: 60px 0 20px;
        }

        .footer-grid {
            display: grid;
            grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
            gap: 40px;
            margin-bottom: 40px;
        }

        .footer-col h4 {
            color: var(--white);
            margin-bottom: 20px;
            font-size: 1.1rem;
        }

        .footer-links li { margin-bottom: 10px; }
        .footer-links a:hover { color: var(--secondary); padding-left: 5px; }

        .social-icons a {
            display: inline-flex;
            width: 36px; height: 36px;
            background: rgba(255,255,255,0.1);
            justify-content: center;
            align-items: center;
            border-radius: 50%;
            margin-right: 10px;
            transition: var(--transition);
        }

        .social-icons a:hover { background: var(--secondary); color: var(--white); }

        .footer-bottom {
            text-align: center;
            border-top: 1px solid rgba(255,255,255,0.1);
            padding-top: 20px;
            font-size: 0.9rem;
        }

        /* --- MODALS --- */
        .modal {
            display: none;
            position: fixed;
            z-index: 2000;
            left: 0; top: 0;
            width: 100%; height: 100%;
            background-color: rgba(0,0,0,0.8);
            padding: 20px;
            overflow-y: auto;
            backdrop-filter: blur(5px);
            animation: fadeIn 0.3s ease;
        }

        .modal-content {
            background-color: var(--white);
            margin: 5% auto;
            padding: 40px;
            border-radius: 8px;
            max-width: 700px;
            position: relative;
            box-shadow: 0 20px 25px -5px rgba(0, 0, 0, 0.1);
        }

        .close-modal {
            position: absolute;
            top: 15px; right: 20px;
            font-size: 28px;
            cursor: pointer;
            color: var(--text-light);
        }

        .close-modal:hover { color: var(--accent); }

        @keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }

        /* --- FEEDBACK MESSAGES --- */
        .success-message {
            display: none;
            background: #d1fae5;
            color: #065f46;
            padding: 15px;
            border-radius: 5px;
            border: 1px solid #a7f3d0;
            text-align: center;
            margin-top: 20px;
        }

        /* --- RESPONSIVE --- */
        @media (max-width: 992px) {
            .hero h1 { font-size: 2.5rem; }
            .about-grid { grid-template-columns: 1fr; }
        }

        @media (max-width: 768px) {
            .nav-menu {
                display: none;
                position: absolute;
                top: 100%; left: 0; width: 100%;
                background: var(--white);
                flex-direction: column;
                padding: 20px;
                box-shadow: var(--shadow);
            }
            .nav-menu.active { display: flex; }
            .hamburger { display: block; }
            .grid-container { grid-template-columns: 1fr; }
            .hero-btns { flex-direction: column; align-items: center; }
        }