:root{
    --navy: #0A2647;
    --navy-deep: #051225;
    --sky: #3FA9E0;
    --sky-light: #8ED2F2;
    --orange: #F5860B;
    --orange-light: #FFA940;
    --plum: #8B2C5E;
    --white: #FFFFFF;
    --ink: #0A2647;
    --mist: #EAF4FB;
  }
  *{margin:0;padding:0;box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  body{
    font-family:'Inter',sans-serif;
    background:var(--white);
    color:var(--ink);
    overflow-x:hidden;
  }
  h1,h2,h3,.display{font-family:'Space Grotesk',sans-serif;}
  a{text-decoration:none;color:inherit;}
  ul{list-style:none;}
  img{max-width:100%;display:block;}
  .wrap{max-width:1200px;margin:0 auto;padding:0 32px;}

  @media (prefers-reduced-motion: reduce){
    *{animation-duration:0.001ms !important; animation-iteration-count:1 !important; transition-duration:0.001ms !important;}
  }

  /* ---------- NAV ---------- */
  .nav-actions{display:flex;align-items:center;gap:12px;}
  @media (max-width: 640px){
    .nav-actions{gap:8px;}
    .nav-actions .btn{padding:8px 14px;font-size:0.85rem;}
  }
  header{
    position:fixed;top:0;left:0;right:0;z-index:100;
    background:transparent;
    border-bottom:1px solid transparent;
    transition:background .3s ease, border-color .3s ease, box-shadow .3s ease, backdrop-filter .3s ease;
  }
  header.scrolled{
    background:rgba(255,255,255,0.85);
    backdrop-filter:blur(12px);
    border-bottom:1px solid rgba(10,38,71,0.06);
  }
  .nav-links a{ color:#fff; }
  header.scrolled .nav-links a{ color:var(--navy); }
  .logo-text{ color:#fff; }
  header.scrolled .logo-text{ color:var(--navy); }
  .nav{
    display:flex;align-items:center;justify-content:space-between;
    padding:16px 32px;max-width:1200px;margin:0 auto;
  }
  .logo-mark{display:flex;align-items:center;gap:10px;}
  .logo-img{height:52px;width:auto;display:block;}
  .logo-shapes{position:relative;width:34px;height:34px;}
  .logo-shapes svg{width:100%;height:100%;}
  .logo-text{font-weight:700;font-size:1.15rem;letter-spacing:-0.02em;line-height:1.1;transition:color .3s ease;}
  .logo-text span{display:block;font-family:'Inter';font-weight:600;font-size:0.62rem;letter-spacing:0.14em;color:var(--orange);text-transform:uppercase;}
  .nav-links{display:flex;gap:36px;align-items:center;}
  .nav-links a{
    font-size:0.92rem;font-weight:500;position:relative;padding:4px 0;
    transition:color .3s ease;
  }
  .nav-links a::after{
    content:'';position:absolute;bottom:0;left:0;width:0;height:2px;background:var(--orange);
    transition:width .25s ease;
  }
  .nav-links a:hover::after{width:100%;}
  .btn{
    display:inline-flex;align-items:center;gap:8px;
    padding:13px 26px;border-radius:8px;font-weight:600;font-size:0.92rem;
    cursor:pointer;border:none;transition:transform .25s cubic-bezier(.2,.8,.2,1), box-shadow .25s ease;
  }
  .btn-primary{
    background:linear-gradient(135deg,var(--orange),var(--orange-light));
    color:var(--white);
    box-shadow:0 8px 20px -6px rgba(245,134,11,0.55);
    animation:pulseGlow 2.6s ease-in-out infinite;
  }
  .btn-primary:hover{transform:translateY(-3px) scale(1.05);box-shadow:0 16px 34px -8px rgba(245,134,11,0.75);animation-play-state:paused;}
  @keyframes pulseGlow{
    0%,100%{box-shadow:0 8px 20px -6px rgba(245,134,11,0.55);}
    50%{box-shadow:0 8px 30px -4px rgba(245,134,11,0.85);}
  }
  .btn-ghost{
    background:transparent;color:var(--navy);border:1.5px solid rgba(10,38,71,0.18);
  }
  .btn-ghost:hover{border-color:var(--navy);transform:translateY(-2px);}

  /* ---------- HERO ---------- */
  .hero{
    position:relative;
    min-height:100vh;
    display:flex;align-items:center;
    background:linear-gradient(160deg,var(--navy-deep) 0%,var(--navy) 55%, #123a63 100%);
    overflow:hidden;
    padding-top:90px;
  }
  .hero-shard{
    position:absolute;
    opacity:0.9;
    filter:blur(0px);
  }
  .shard-anim{
    animation:float 9s ease-in-out infinite;
  }
  @keyframes float{
    0%,100%{transform:translateY(0) rotate(0deg);}
    50%{transform:translateY(-22px) rotate(4deg);}
  }
  .hero-content{
    position:relative;z-index:5;
    max-width:1200px;margin:0 auto;padding:60px 32px 100px;
    width:100%;
  }
  .hero-content-single{max-width:640px;margin-left:0;margin-right:auto;}

  /* Full-bleed background photo behind the whole hero */
  .hero-bg{
    position:absolute;inset:0;z-index:0;overflow:hidden;
    opacity:0;animation:heroPhotoIn 1.1s ease forwards .15s;
    transition:transform .2s ease-out;
  }
  @keyframes heroPhotoIn{
    from{opacity:0;transform:scale(1.04);}
    to{opacity:1;transform:scale(1);}
  }
  .hero-bg img{
    width:100%;height:100%;object-fit:cover;object-position:center 40%;display:block;
  }
  .hero-bg-overlay{
    position:absolute;inset:0;
    background:
      linear-gradient(90deg, var(--navy-deep) 0%, rgba(10,38,71,0.85) 32%, rgba(10,38,71,0.35) 62%, rgba(10,38,71,0.15) 100%),
      linear-gradient(180deg, rgba(5,18,37,0.15) 0%, rgba(5,18,37,0.55) 100%);
  }
  .eyebrow{
    display:inline-flex;align-items:center;gap:10px;
    color:var(--sky-light);font-size:0.78rem;font-weight:600;letter-spacing:0.16em;text-transform:uppercase;
    margin-bottom:24px;
    opacity:0;animation:riseIn .7s ease forwards .1s;
  }
  .eyebrow .line{width:28px;height:1.5px;background:var(--orange);}
  .hero h1{
    font-size:clamp(2.6rem,5.2vw,4.3rem);
    font-weight:800;line-height:1.04;letter-spacing:-0.02em;color:var(--white);
    margin-bottom:24px;
    opacity:0;animation:riseIn .8s ease forwards .25s;
  }
  .hero h1 .accent{
    background:linear-gradient(100deg,var(--orange) 10%,var(--sky-light) 90%);
    -webkit-background-clip:text;background-clip:text;color:transparent;
    filter:drop-shadow(0 0 26px rgba(245,134,11,0.35));
  }
  .hero p.lead{
    font-size:1.13rem;line-height:1.65;color:rgba(255,255,255,0.78);max-width:480px;margin-bottom:36px;
    opacity:0;animation:riseIn .8s ease forwards .4s;
  }
  .hero-cta{display:flex;gap:16px;opacity:0;animation:riseIn .8s ease forwards .55s;}
  @keyframes riseIn{
    from{opacity:0;transform:translateY(24px);}
    to{opacity:1;transform:translateY(0);}
  }

  .hero-badge-row{
    display:flex;gap:28px;margin-top:52px;
    opacity:0;animation:riseIn .8s ease forwards .7s;
  }
  .hero-badge{text-align:left;}
  .hero-badge .num{font-family:'Space Grotesk';font-weight:700;font-size:1.6rem;color:var(--white);}
  .hero-badge .lbl{font-size:0.74rem;color:rgba(255,255,255,0.6);letter-spacing:0.06em;text-transform:uppercase;margin-top:2px;}

  /* ---------- SECTION HEADER ---------- */
  .sec-head{max-width:620px;margin-bottom:56px;}
  .sec-eyebrow{
    display:flex;align-items:center;gap:10px;color:var(--orange);
    font-size:0.78rem;font-weight:700;letter-spacing:0.16em;text-transform:uppercase;margin-bottom:16px;
  }
  .sec-eyebrow .line{width:28px;height:1.5px;background:var(--orange);}
  .sec-head h2{font-size:clamp(1.9rem,3.4vw,2.7rem);font-weight:700;letter-spacing:-0.02em;color:var(--navy);line-height:1.15;}
  .sec-head p{margin-top:16px;font-size:1.05rem;color:#4a5b73;line-height:1.6;}
  .center{margin-left:auto;margin-right:auto;text-align:center;}

  .reveal{opacity:0;transform:translateY(36px);transition:opacity .8s cubic-bezier(.2,.7,.2,1), transform .8s cubic-bezier(.2,.7,.2,1);}
  .reveal.in{opacity:1;transform:translateY(0);}

  /* ---------- ABOUT ---------- */
  .about{padding:140px 0 120px;position:relative;background:var(--white);}
  .about-grid{display:grid;grid-template-columns:0.85fr 1.15fr;gap:70px;align-items:center;}
  .about-visual{position:relative;height:420px;}
  .about-diamond{
    position:absolute;inset:0;
    border-radius:26px;
    overflow:hidden;
    display:flex;align-items:center;justify-content:center;
    box-shadow:0 30px 60px -20px rgba(10,38,71,0.4);
  }
  .about-diamond-img{width:100%;height:100%;object-fit:cover;}
  .about-chip{
    position:absolute;background:var(--white);border-radius:12px;padding:16px 20px;
    box-shadow:0 20px 40px -14px rgba(10,38,71,0.25);
    display:flex;align-items:center;gap:12px;
  }
  .about-chip.c1{top:12%;right:-6%;}
  .about-chip.c2{bottom:8%;left:-8%;}
  .about-chip .ic{width:38px;height:38px;border-radius:9px;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
  .about-chip .ic svg{width:20px;height:20px;}
  .about-chip .txt .n{font-weight:700;font-family:'Space Grotesk';font-size:1.05rem;color:var(--navy);}
  .about-chip .txt .l{font-size:0.72rem;color:#5a6b80;}

  .about-copy h3{font-size:1.5rem;font-weight:700;color:var(--navy);margin-bottom:18px;letter-spacing:-0.01em;}
  .about-copy p{color:#455266;line-height:1.75;font-size:1.02rem;margin-bottom:16px;}
  .about-copy p:last-child{margin-bottom:0;}

  /* ---------- WHY CHOOSE US ---------- */
  .why{padding:120px 0;background:var(--mist);position:relative;overflow:hidden;}
  .why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
  .why-card{
    background:var(--white);border-radius:16px;padding:36px 30px;
    position:relative;overflow:hidden;
    transition:transform .4s cubic-bezier(.2,.8,.2,1), box-shadow .4s ease;
    box-shadow:0 4px 20px -8px rgba(10,38,71,0.08);
  }
  .why-card::before{
    content:'';position:absolute;top:0;right:0;width:90px;height:90px;
    background:linear-gradient(135deg,var(--sky) 0%, transparent 70%);
    opacity:0.14;clip-path:polygon(100% 0,0 0,100% 100%);
    transition:transform .5s ease;
  }
  .why-card:hover{transform:translateY(-14px) rotate(-1deg) scale(1.02);box-shadow:0 30px 60px -16px rgba(10,38,71,0.3);}
  .why-card:hover::before{transform:scale(1.6);}
  .why-icon{
    width:54px;height:54px;border-radius:13px;
    display:flex;align-items:center;justify-content:center;margin-bottom:22px;
    background:linear-gradient(135deg,var(--navy),#154a7c);
    box-shadow:0 10px 20px -8px rgba(10,38,71,0.4);
    transition:transform .45s cubic-bezier(.2,.8,.2,1);
  }
  .why-card:hover .why-icon{transform:rotate(-10deg) scale(1.1);}
  .why-icon svg{width:26px;height:26px;stroke:var(--white);}
  .why-card h3{font-size:1.15rem;font-weight:700;color:var(--navy);margin-bottom:12px;letter-spacing:-0.01em;}
  .why-card p{color:#5a6b80;font-size:0.95rem;line-height:1.6;}
  .why-num{
    position:absolute;bottom:14px;right:20px;font-family:'Space Grotesk';font-weight:800;
    font-size:2.6rem;color:rgba(10,38,71,0.05);line-height:1;
  }

  /* ---------- ACHIEVEMENTS ---------- */
  .achieve{
    padding:130px 0;position:relative;
    background:
      linear-gradient(160deg, rgba(5,18,37,0.88), rgba(10,38,71,0.82) 60%, rgba(18,58,99,0.85)),
      url("images/achieve-bg.jpeg") center/cover no-repeat;
    overflow:hidden;
  }
  
  .achieve .sec-head h2, .achieve .sec-head p{color:var(--white);}
  .achieve .sec-head p{color:rgba(255,255,255,0.7);}
  .stat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;position:relative;z-index:3;}
  .stat-card{
    text-align:center;padding:38px 20px;border-radius:16px;
    background:rgba(255,255,255,0.05);border:1px solid rgba(255,255,255,0.08);
    backdrop-filter:blur(6px);
  }
  .stat-num{
    font-family:'Space Grotesk';font-weight:800;font-size:2.8rem;line-height:1;
    background:linear-gradient(120deg,var(--orange-light),var(--sky-light));
    -webkit-background-clip:text;background-clip:text;color:transparent;
  }
  .stat-label{margin-top:10px;font-size:0.85rem;color:rgba(255,255,255,0.65);letter-spacing:0.02em;}

  /* ---------- INSURERS (auto-scroll marquee) ---------- */
  .insurers{padding:110px 0 120px;background:var(--white);text-align:center;overflow:hidden;position:relative;}
  .marquee-wrap{
    position:relative;margin-top:52px;
    -webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);
    mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);
  }
  .marquee-row{display:flex;width:max-content;gap:22px;padding:10px 0;}
  .marquee-row.row1{animation:scrollLeft 42s linear infinite;}
  .marquee-row.row2{animation:scrollRight 38s linear infinite;margin-top:22px;}
  .marquee-wrap:hover .marquee-row{animation-play-state:paused;}
  @keyframes scrollLeft{ from{transform:translateX(0);} to{transform:translateX(-50%);} }
  @keyframes scrollRight{ from{transform:translateX(-50%);} to{transform:translateX(0);} }

  .insurer-card{
    flex-shrink:0;
    display:flex;align-items:center;gap:14px;
    padding:22px 34px;border-radius:16px;
    background:var(--white);
    border:1.5px solid rgba(10,38,71,0.09);
    font-family:'Space Grotesk';font-weight:700;font-size:1.05rem;color:var(--navy);
    transition:all .4s cubic-bezier(.2,.8,.2,1);
    cursor:default;position:relative;white-space:nowrap;
    box-shadow:0 4px 16px -10px rgba(10,38,71,0.12);
  }
  .insurer-card .mono{
    width:38px;height:38px;border-radius:10px;flex-shrink:0;
    display:flex;align-items:center;justify-content:center;
    font-size:0.85rem;font-weight:800;color:#fff;
    background:linear-gradient(135deg,var(--sky),var(--navy));
    transition:transform .4s ease;
  }
  .insurer-card:nth-child(3n+1) .mono{background:linear-gradient(135deg,var(--orange),var(--orange-light));}
  .insurer-card:nth-child(3n+2) .mono{background:linear-gradient(135deg,var(--plum),#c2477e);}
  .insurer-card:hover{
    border-color:transparent;
    background:linear-gradient(135deg,var(--navy),#154a7c);
    color:var(--white);
    transform:translateY(-8px) scale(1.06) rotate(-1deg);
    box-shadow:0 26px 48px -14px rgba(10,38,71,0.4);
  }
  .insurer-card:hover .mono{transform:scale(1.12) rotate(8deg);}

  /* ---------- PRODUCTS (photo banner style) ---------- */
  .products{padding:120px 0;background:var(--mist);}
  .product-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;}
  .product-card{
    display:flex;flex-direction:column;gap:16px;
  }
  .product-photo{
    position:relative;aspect-ratio:1/1;border-radius:14px;overflow:hidden;
    box-shadow:0 4px 20px -8px rgba(10,38,71,0.18);
    transition:transform .45s cubic-bezier(.2,.8,.2,1), box-shadow .45s ease;
  }
  .product-card:hover .product-photo{transform:translateY(-10px) scale(1.015);box-shadow:0 30px 56px -16px rgba(10,38,71,0.32);}
  .product-photo img{
    position:absolute;inset:0;width:100%;height:100%;object-fit:cover;
    transition:transform .6s ease;
  }
  .product-card:hover .product-photo img{transform:scale(1.06);}
  .btn-quote{
    display:block;text-align:center;background:var(--navy);color:#fff;
    font-weight:600;font-size:0.95rem;padding:15px 20px;border-radius:9px;
    transition:all .3s ease;
  }
  .btn-quote:hover{background:var(--orange);transform:translateY(-3px);box-shadow:0 10px 22px -8px rgba(245,134,11,0.5);}

  /* ---------- CTA ---------- */
  .cta-band{
    position:relative;margin:0 auto;max-width:1140px;padding:0 32px;
    transform:translateY(60%);z-index:10;
  }
  .cta-inner{
    background:linear-gradient(120deg,var(--orange),#ff9d2e 55%, var(--orange));
    border-radius:22px;padding:56px 60px;
    display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap;
    box-shadow:0 30px 60px -20px rgba(245,134,11,0.5);
  }
  .cta-inner h3{font-size:1.75rem;font-weight:700;color:var(--white);max-width:480px;letter-spacing:-0.01em;}
  .cta-inner p{color:rgba(255,255,255,0.9);margin-top:8px;font-size:0.98rem;}
  .btn-white{background:var(--white);color:var(--navy);box-shadow:0 10px 24px -8px rgba(0,0,0,0.25);}
  .btn-white:hover{transform:translateY(-3px) scale(1.03);}

  /* ---------- FOOTER ---------- */
  footer{background:var(--navy-deep);padding-top:170px;padding-bottom:40px;color:rgba(255,255,255,0.75);}
  .foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:50px;padding-bottom:50px;border-bottom:1px solid rgba(255,255,255,0.08);}
  .foot-brand .logo-text{color:var(--white);}
  .foot-brand p{margin-top:16px;font-size:0.9rem;line-height:1.6;color:rgba(255,255,255,0.55);max-width:280px;}
  footer h4{color:var(--white);font-size:0.95rem;font-weight:700;margin-bottom:18px;}
  footer ul li{margin-bottom:10px;}
  footer ul li a{font-size:0.88rem;color:rgba(255,255,255,0.6);transition:color .2s;}
  footer ul li a:hover{color:var(--orange);}
  .foot-bottom{display:flex;justify-content:space-between;padding-top:26px;font-size:0.82rem;color:rgba(255,255,255,0.4);flex-wrap:wrap;gap:12px;}

  /* Count animation helper class handled via JS */

  @media(max-width:900px){
    .nav-links{display:none;}
    .hero-content-single{max-width:100%;}
    .about-grid{grid-template-columns:1fr;}
    .about-visual{height:320px;margin-top:40px;}
    .why-grid{grid-template-columns:1fr;}
    .stat-grid{grid-template-columns:1fr 1fr;}
    .product-grid{grid-template-columns:1fr;}
    .cta-inner{flex-direction:column;text-align:center;padding:44px 30px;}
    .foot-grid{grid-template-columns:1fr 1fr;}
  }

  /* ---------- QUOTE MODAL ---------- */
  .modal-overlay{
    position:fixed;inset:0;z-index:1000;
    background:rgba(5,18,37,0.6);backdrop-filter:blur(4px);
    display:flex;align-items:center;justify-content:center;
    padding:20px;
    opacity:0;visibility:hidden;
    transition:opacity .3s ease, visibility .3s ease;
  }
  .modal-overlay.open{opacity:1;visibility:visible;}
  .modal-box{
    background:var(--white);border-radius:20px;
    padding:40px 36px;max-width:440px;width:100%;
    position:relative;
    box-shadow:0 40px 80px -20px rgba(5,18,37,0.5);
    transform:translateY(20px) scale(0.97);
    transition:transform .35s cubic-bezier(.2,.8,.2,1);
  }
  .modal-overlay.open .modal-box{transform:translateY(0) scale(1);}
  .modal-close{
    position:absolute;top:18px;right:18px;
    width:32px;height:32px;border-radius:50%;border:none;
    background:var(--mist);color:var(--navy);font-size:1.4rem;line-height:1;
    cursor:pointer;display:flex;align-items:center;justify-content:center;
    transition:background .2s ease;
  }
  .modal-close:hover{background:#dce8f2;}
  .modal-eyebrow{
    display:flex;align-items:center;gap:10px;color:var(--orange);
    font-size:0.74rem;font-weight:700;letter-spacing:0.14em;text-transform:uppercase;margin-bottom:14px;
  }
  .modal-eyebrow .line{width:24px;height:1.5px;background:var(--orange);}
  .modal-box h3{font-size:1.4rem;font-weight:700;color:var(--navy);letter-spacing:-0.01em;margin-bottom:8px;}
  .modal-sub{color:#5a6b80;font-size:0.92rem;line-height:1.55;margin-bottom:26px;}
  #quoteForm label{
    display:block;font-size:0.82rem;font-weight:600;color:var(--navy);margin-bottom:7px;margin-top:16px;
  }
  #quoteForm label:first-of-type{margin-top:0;}
  #quoteForm input, #quoteForm select{
    width:100%;padding:13px 15px;border-radius:9px;border:1.5px solid rgba(10,38,71,0.15);
    font-family:'Inter';font-size:0.95rem;color:var(--navy);background:var(--white);
    transition:border-color .2s ease;
  }
  #quoteForm input:focus, #quoteForm select:focus{outline:none;border-color:var(--sky);}
  #quoteForm select{cursor:pointer;}
  .modal-error{color:#c23b3b;font-size:0.85rem;margin-top:14px;min-height:1.2em;}
  .modal-submit{width:100%;justify-content:center;margin-top:22px;}
  .modal-submit:disabled{opacity:0.7;cursor:not-allowed;transform:none;}
  .modal-success-icon{
    width:56px;height:56px;border-radius:50%;
    background:linear-gradient(135deg,var(--sky),var(--navy));
    display:flex;align-items:center;justify-content:center;margin-bottom:20px;
  }
  .modal-success-icon svg{width:28px;height:28px;}

  /* ================= PREMIUM ENHANCEMENT LAYER ================= */

  /* Section diagonal dividers for seamless flow */
  .section-divider{
    position:absolute;top:-1px;left:0;width:100%;height:70px;
    background:inherit;z-index:1;pointer-events:none;
  }
  .divider-top{
    background:linear-gradient(180deg, rgba(255,255,255,0) 0%, var(--white) 100%);
    clip-path:polygon(0 40%, 100% 0%, 100% 100%, 0% 100%);
  }
  .divider-light{
    background:linear-gradient(180deg, rgba(234,244,251,0) 0%, var(--mist) 100%);
  }

  /* Glowing hero orbs */
  .hero-orb{
    position:absolute;border-radius:50%;filter:blur(60px);pointer-events:none;z-index:0;
    animation:orbDrift 14s ease-in-out infinite;
  }
  .orb1{width:340px;height:340px;top:-8%;left:8%;background:radial-gradient(circle, rgba(63,169,224,0.28), transparent 70%);animation-delay:0s;}
  .orb2{width:280px;height:280px;bottom:-5%;right:10%;background:radial-gradient(circle, rgba(245,134,11,0.22), transparent 70%);animation-delay:3s;}
  .orb3{width:220px;height:220px;top:35%;right:28%;background:radial-gradient(circle, rgba(142,210,242,0.2), transparent 70%);animation-delay:6s;}
  @keyframes orbDrift{
    0%,100%{transform:translate(0,0) scale(1);}
    50%{transform:translate(20px,-24px) scale(1.08);}
  }
  .hero-parallax{position:absolute;inset:0;z-index:1;will-change:transform;}
  .hero-parallax .hero-shard{transition:transform .15s ease-out;}
  #heroVisual{will-change:transform;}

  /* Premium button shine sweep + magnetic feel */
  .btn{position:relative;overflow:hidden;isolation:isolate;}
  .btn-shine{
    position:absolute;top:0;left:-60%;width:40%;height:100%;
    background:linear-gradient(115deg, transparent 0%, rgba(255,255,255,0.55) 50%, transparent 100%);
    transform:skewX(-20deg);pointer-events:none;
    transition:left .7s cubic-bezier(.2,.8,.2,1);
  }
  .btn:hover .btn-shine{left:130%;}
  .btn-primary, .btn-white{transition:transform .3s cubic-bezier(.2,.8,.2,1), box-shadow .3s ease;}

  /* Why-card cursor-follow glow + border illumination */
  .why-card{
    position:relative;
    --mx:50%; --my:50%;
  }
  .why-card::after{
    content:'';position:absolute;inset:0;border-radius:16px;padding:1.5px;
    background:radial-gradient(220px circle at var(--mx) var(--my), rgba(63,169,224,0.65), transparent 70%);
    -webkit-mask:linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
    -webkit-mask-composite:xor; mask-composite:exclude;
    opacity:0; transition:opacity .35s ease; pointer-events:none;
  }
  .why-card:hover::after{opacity:1;}
  .why-card .why-glow{
    position:absolute;inset:0;border-radius:16px;pointer-events:none;z-index:0;
    background:radial-gradient(260px circle at var(--mx) var(--my), rgba(63,169,224,0.10), transparent 70%);
    opacity:0;transition:opacity .35s ease;
  }
  .why-card:hover .why-glow{opacity:1;}

  /* Product card premium glow on hover */
  .product-photo{position:relative;}
  .product-card:hover .product-photo{box-shadow:0 34px 64px -14px rgba(10,38,71,0.38), 0 0 0 1px rgba(63,169,224,0.25), 0 0 40px -6px rgba(63,169,224,0.35);}

  /* Stat card glow-on-complete */
  .stat-card{position:relative;overflow:hidden;transition:box-shadow .4s ease, transform .4s ease;}
  .stat-card.counted{box-shadow:0 0 0 1px rgba(255,169,64,0.3), 0 0 34px -4px rgba(245,134,11,0.35);}
  .stat-num{transition:transform .25s ease;}
  .stat-num.bounce{animation:statBounce .5s ease;}
  @keyframes statBounce{
    0%{transform:scale(1);}
    40%{transform:scale(1.08);}
    100%{transform:scale(1);}
  }

  /* Insurer marquee glass upgrade */
  .insurer-card{
    background:rgba(255,255,255,0.6);
    backdrop-filter:blur(10px);
    border:1.5px solid rgba(255,255,255,0.5);
    position:relative;overflow:hidden;
  }
  .insurer-card::before{
    content:'';position:absolute;top:0;left:-100%;width:60%;height:100%;
    background:linear-gradient(115deg, transparent, rgba(255,255,255,0.5), transparent);
    transform:skewX(-20deg);transition:left .8s ease;
  }
  .insurer-card:hover::before{left:130%;}

  /* Quote modal glass morphism */
  .modal-overlay{background:rgba(5,18,37,0.55);backdrop-filter:blur(10px);}
  .modal-box{
    background:rgba(255,255,255,0.92);
    backdrop-filter:blur(18px);
    border:1px solid rgba(255,255,255,0.6);
  }
  @media(max-width:900px){
  .achieve{
    background:
      linear-gradient(160deg, rgba(5,18,37,0.92), rgba(10,38,71,0.88) 60%, rgba(18,58,99,0.9)),
      url("images/achieve-bg.jpg") center/cover no-repeat;
    background-attachment:scroll; /* important on iOS, see note below */
  }
}

  /* Final CTA lighting */
  .cta-inner{position:relative;overflow:hidden;}
  .cta-inner::before{
    content:'';position:absolute;inset:-40%;
    background:radial-gradient(circle, rgba(255,255,255,0.25), transparent 60%);
    animation:orbDrift 10s ease-in-out infinite;
    pointer-events:none;
  }

  /* Underline micro-interaction already on nav-links; extend to footer links handled via existing hover */

  /* Focus states for accessibility */
  a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible{
    outline:2px solid var(--sky); outline-offset:2px;
  }

  @media (prefers-reduced-motion: reduce){
    .hero-orb, .cta-inner::before{animation:none !important;}
    .hero-parallax{transform:none !important;}
  }