/* ============================================
   Travel Insurance Info — Main Stylesheet
   ============================================
   Table of Contents:
   1.  Reset & Base
   2.  Custom Properties (Variables)
   3.  Typography & Links
   4.  Layout Utilities
   5.  Top Bar
   6.  Navigation
   7.  Hero Sections (Page Hero)
   8.  Buttons
   9.  Blog Grid (Listing Page)
   10. Blog Article (Detail Page)
   11. Page Content (About, Policies, etc.)
   12. Value Cards
   13. FAQ Accordion
   14. Contact Page
   15. Government Links
   16. Disclaimer Box
   17. Footer
   18. Media Queries (Tablet)
   19. Media Queries (Mobile)
   ============================================ */

/* ------------------------------------------
   1. Reset & Base
   ------------------------------------------ */
* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

::selection {
  background: var(--royal-blue);
  color: #fff;
}

/* ------------------------------------------
    2. Custom Properties (Variables)
   ------------------------------------------ */
:root {
  /* Brand Colors */
  --deep-blue: #1E3A8A;
  --royal-blue: #2563EB;
  --teal: #0F766E;
  --light-green: #22C55E;

  /* Neutral Colors */
  --off-white: #F8FAFC;
  --light-gray: #E2E8F0;
  --orange: #F97316;
  --dark: #0F172A;
  --text: #334155;
  --text-light: #64748B;

  /* Borders & Shadows */
  --radius: 12px;
  --radius-sm: 8px;
  --shadow: 0 4px 24px rgba(0, 0, 0, 0.06);
  --shadow-hover: 0 8px 40px rgba(0, 0, 0, 0.1);
  --shadow-lg: 0 16px 56px rgba(0, 0, 0, 0.12);

  /* Animation & Layout */
  --transition: 0.3s ease;
  --max-w: 1200px;
}

/* ------------------------------------------
   3. Typography & Links
   ------------------------------------------ */
body {
  font-family: 'Inter', sans-serif;
  color: var(--dark);
  background: var(--off-white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

a {
  color: var(--royal-blue);
  text-decoration: none;
  transition: var(--transition);
}

a:hover {
  color: var(--deep-blue);
}

img {
  max-width: 100%;
  height: auto;
}

/* ------------------------------------------
   4. Layout Utilities
   ------------------------------------------ */
.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
}

.section {
  padding: 80px 0;
}

.alt-bg {
  background: #fff;
}

.section-header {
  text-align: center;
  margin-bottom: 48px;
}

.section-header:last-child {
  margin-bottom: 0;
}

.section-tag {
  display: inline-block;
  background: linear-gradient(135deg, rgba(37, 99, 235, 0.08), rgba(15, 118, 110, 0.08));
  color: var(--royal-blue);
  padding: 7px 20px;
  border-radius: 20px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.6px;
  text-transform: uppercase;
  margin-bottom: 16px;
  border: 1px solid rgba(37, 99, 235, 0.06);
}

.section-header h2 {
  font-size: 34px;
  font-weight: 800;
  color: var(--dark);
  margin-bottom: 16px;
  line-height: 1.2;
  letter-spacing: -0.3px;
  position: relative;
  padding-bottom: 20px;
}

.section-header h2::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 60px;
  height: 3px;
  border-radius: 2px;
  background: linear-gradient(90deg, var(--royal-blue), var(--teal));
}

.section-sub {
  color: var(--text-light);
  font-size: 17px;
  max-width: 680px;
  margin: 0 auto;
  line-height: 1.7;
}

/* Alt-bg sections get slightly different spacing */
.alt-bg .section-header h2::after {
  background: linear-gradient(90deg, var(--teal), var(--royal-blue));
}

/* ------------------------------------------
   5. Top Bar (IRDAI Compliance Banner)
   ------------------------------------------ */
.top-bar {
  background: var(--deep-blue);
  color: #fff;
  font-size: 13px;
}

.top-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  min-height: 40px;
  flex-wrap: wrap;
  gap: 4px;
}

.top-bar a {
  color: #94a3b8;
  font-weight: 500;
  font-size: 13px;
}

.top-bar a:hover {
  color: #fff;
}

/* ------------------------------------------
   6. Navigation
   ------------------------------------------ */
.navbar {
  background: #fff;
  border-bottom: 1px solid var(--light-gray);
  position: sticky;
  top: 0;
  z-index: 100;
}

.nav-container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  height: 72px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--dark) !important;
}

.logo-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  background: linear-gradient(135deg, var(--royal-blue), var(--deep-blue));
  border-radius: 8px;
  color: #fff;
  font-size: 14px;
  font-weight: 700;
  line-height: 1;
}

/* SVG Icon Classes — Professional replacements for emoji */
.icon-info {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 18px;
  height: 18px;
  flex-shrink: 0;
}
.icon-info svg {
  width: 18px;
  height: 18px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.icon-warning {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 22px;
  height: 22px;
  flex-shrink: 0;
  color: var(--orange);
}
.icon-warning svg {
  width: 22px;
  height: 22px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.icon-tip {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  color: var(--royal-blue);
}
.icon-tip svg {
  width: 20px;
  height: 20px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.icon-tag {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 14px;
  height: 14px;
  flex-shrink: 0;
}
.icon-tag svg {
  width: 14px;
  height: 14px;
  fill: none;
  stroke: currentColor;
  stroke-width: 2.5;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.logo-text {
  font-size: 20px;
  font-weight: 800;
  letter-spacing: -0.3px;
}

.logo-text span {
  color: var(--royal-blue);
}

.nav-links {
  display: flex;
  list-style: none;
  gap: 4px;
}

.nav-links a {
  padding: 8px 18px;
  border-radius: var(--radius-sm);
  font-weight: 500;
  font-size: 15px;
  color: var(--text);
  transition: var(--transition);
}

.nav-links a:hover,
.nav-links a.active {
  background: rgba(37, 99, 235, 0.08);
  color: var(--royal-blue);
}

/* Hamburger Menu (Mobile) */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  border-radius: 6px;
  transition: var(--transition);
}

.hamburger:hover {
  background: var(--off-white);
}

.hamburger span {
  width: 26px;
  height: 2.5px;
  background: var(--dark);
  border-radius: 4px;
  transition: var(--transition);
}

/* ------------------------------------------
   7. Hero Sections (Page Hero)
   ------------------------------------------ */
.page-hero {
  background: linear-gradient(135deg, #1E3A8A, #0F766E);
  color: #fff;
  padding: 100px 0;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 20% 50%, rgba(255, 255, 255, 0.04) 0%, transparent 50%),
    radial-gradient(circle at 80% 20%, rgba(255, 255, 255, 0.03) 0%, transparent 50%),
    radial-gradient(circle at 60% 80%, rgba(255, 255, 255, 0.02) 0%, transparent 50%);
  pointer-events: none;
}

.page-hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
  opacity: 0.5;
}

.page-hero .container {
  position: relative;
  z-index: 1;
}

.page-hero-content {
  max-width: 720px;
}

.page-hero-tag {
  display: inline-block;
  background: rgba(255, 255, 255, 0.12);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  border: 1px solid rgba(255, 255, 255, 0.15);
  padding: 8px 20px;
  border-radius: 24px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.5px;
  margin-bottom: 20px;
}

.page-hero h1 {
  font-size: 44px;
  font-weight: 800;
  margin-bottom: 16px;
  line-height: 1.12;
  letter-spacing: -0.5px;
}

.page-hero-desc {
  font-size: 18px;
  opacity: 0.92;
  line-height: 1.7;
  max-width: 640px;
}

/* ------------------------------------------
   8. Buttons
   ------------------------------------------ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 28px;
  border-radius: 10px;
  font-weight: 600;
  font-size: 15px;
  transition: var(--transition);
  border: none;
  cursor: pointer;
  font-family: inherit;
}

.btn-primary {
  background: linear-gradient(135deg, var(--royal-blue), var(--deep-blue));
  color: #fff;
  box-shadow: 0 4px 14px rgba(37, 99, 235, 0.3);
}

.btn-primary:hover {
  background: linear-gradient(135deg, var(--deep-blue), #1e2d5a);
  color: #fff;
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(37, 99, 235, 0.4);
}

.btn-secondary {
  background: linear-gradient(135deg, var(--teal), #0d5e58);
  color: #fff;
  box-shadow: 0 4px 14px rgba(15, 118, 110, 0.3);
}

.btn-secondary:hover {
  background: linear-gradient(135deg, #0d5e58, #0a4d48);
  color: #fff;
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(15, 118, 110, 0.4);
}

.btn-outline {
  background: transparent;
  border: 2px solid rgba(255, 255, 255, 0.4);
  color: #fff;
}

.btn-outline:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: #fff;
  color: #fff;
  transform: translateY(-2px);
}

/* ------------------------------------------
   9. Blog Grid (Listing Page)
   ------------------------------------------ */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(340px, 1fr));
  gap: 24px;
}

.blog-card {
  background: #fff;
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--light-gray);
  transition: var(--transition);
}

.blog-card:hover {
  box-shadow: var(--shadow-hover);
}

.blog-card-link {
  display: block;
  padding: 0;
  color: inherit !important;
  cursor: pointer;
}

.blog-card-body {
  padding: 28px;
  transition: var(--transition);
}

.blog-card-tag {
  display: inline-block;
  background: rgba(37, 99, 235, 0.08);
  color: var(--royal-blue);
  padding: 4px 12px;
  border-radius: 16px;
  font-size: 12px;
  font-weight: 600;
  margin-bottom: 12px;
  letter-spacing: 0.4px;
  text-transform: uppercase;
}

.blog-card-body h3 {
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 10px;
  line-height: 1.4;
  color: var(--dark);
}

.blog-card-body p {
  font-size: 15px;
  color: var(--text);
  line-height: 1.7;
  margin-bottom: 16px;
}

.blog-meta {
  font-size: 13px;
  color: var(--royal-blue);
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: var(--transition);
}

a:hover .blog-meta {
  gap: 10px;
}

/* Legacy expandable blog (no longer used) */
.blog-article-full {
  padding: 32px 28px 40px;
  border-top: 1px solid var(--light-gray);
  display: none;
}

.blog-card.expanded .blog-article-full {
  display: block;
}

.blog-article-full h4 {
  font-size: 18px;
  font-weight: 700;
  color: var(--dark);
  margin: 28px 0 12px;
}

.blog-article-full h4:first-child {
  margin-top: 0;
}

.blog-article-full p {
  font-size: 15px;
  color: var(--text);
  line-height: 1.8;
  margin-bottom: 14px;
}

.blog-article-full ul {
  margin: 0 0 18px;
  padding-left: 22px;
}

.blog-article-full li {
  font-size: 15px;
  color: var(--text);
  line-height: 1.8;
  margin-bottom: 6px;
}

.blog-article-full li strong {
  color: var(--dark);
}

/* ------------------------------------------
   10. Blog Article (Detail Page)
   ------------------------------------------ */
.blog-article-hero {
  background: linear-gradient(135deg, #1E3A8A, #0F766E);
  color: #fff;
  padding: 72px 0 64px;
  position: relative;
  overflow: hidden;
}

/* SVG Pattern Overlay */
.blog-article-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}

.blog-article-hero .container {
  max-width: 800px;
  position: relative;
  z-index: 1;
}

/* Breadcrumb */
.blog-article-breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 16px;
}

.blog-article-breadcrumb a {
  color: rgba(255, 255, 255, 0.7);
}

.blog-article-breadcrumb a:hover {
  color: #fff;
}

/* Article Tag */
.blog-article-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255, 255, 255, 0.15);
  padding: 6px 16px;
  border-radius: 20px;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  margin-bottom: 16px;
  backdrop-filter: blur(4px);
}

.blog-article-hero h1 {
  font-size: 36px;
  font-weight: 800;
  margin-bottom: 14px;
  line-height: 1.2;
  letter-spacing: -0.5px;
}

.blog-article-meta {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 14px;
  opacity: 0.85;
  flex-wrap: wrap;
}

.blog-article-meta-divider {
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.5);
}

/* Featured Image */
.blog-article-image {
  margin-bottom: 40px;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
}

.blog-article-image img {
  width: 100%;
  display: block;
  aspect-ratio: 16 / 9;
  object-fit: cover;
}

/* Article Container & Body */
.blog-article-container {
  max-width: 740px;
  margin: 0 auto;
  padding: 56px 0;
}

.blog-article-body {
  font-size: 17px;
  color: var(--text);
  line-height: 1.9;
}

.blog-article-body h2 {
  font-size: 26px;
  font-weight: 700;
  color: var(--dark);
  margin: 48px 0 16px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--light-gray);
}

.blog-article-body h2:first-child {
  margin-top: 0;
}

.blog-article-body h3 {
  font-size: 19px;
  font-weight: 600;
  color: var(--dark);
  margin: 28px 0 12px;
}

.blog-article-body h4 {
  font-size: 22px;
  font-weight: 700;
  color: var(--dark);
  margin: 44px 0 16px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--light-gray);
}

.blog-article-body h4:first-child {
  margin-top: 0;
}

.blog-article-body p {
  font-size: 17px;
  color: var(--text);
  line-height: 1.9;
  margin-bottom: 20px;
}

.blog-article-body ul,
.blog-article-body ol {
  margin: 0 0 24px;
  padding-left: 0;
  list-style: none;
}

.blog-article-body li {
  font-size: 16px;
  color: var(--text);
  line-height: 1.8;
  margin-bottom: 10px;
  padding-left: 28px;
  position: relative;
}

.blog-article-body li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 11px;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--royal-blue);
  opacity: 0.4;
}

.blog-article-body li strong {
  color: var(--dark);
}

.blog-article-body li li::before {
  background: var(--teal);
  opacity: 0.5;
}

.blog-article-body a {
  font-weight: 500;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.blog-article-body a:hover {
  color: var(--deep-blue);
}

/* Info / Note Box */
.blog-note {
  display: flex;
  gap: 14px;
  background: rgba(15, 118, 110, 0.06);
  border-left: 4px solid var(--teal);
  padding: 20px 24px;
  border-radius: 0 var(--radius) var(--radius) 0;
  margin: 32px 0;
  font-size: 15px;
  color: var(--text);
  line-height: 1.8;
}

.blog-note-icon {
  font-size: 20px;
  flex-shrink: 0;
  margin-top: 2px;
  line-height: 1;
}

/* Back to Articles Button */
.blog-nav {
  text-align: center;
  padding: 0 0 56px;
  max-width: 740px;
  margin: 0 auto;
}

.blog-nav a {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 28px;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 15px;
  color: var(--royal-blue);
  background: rgba(37, 99, 235, 0.06);
  transition: var(--transition);
}

.blog-nav a:hover {
  background: rgba(37, 99, 235, 0.12);
  color: var(--deep-blue);
  gap: 12px;
}

/* Related Articles Grid */
.blog-related {
  padding: 56px 0 0;
  border-top: 1px solid var(--light-gray);
  margin-top: 8px;
}

.blog-related h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 24px;
  text-align: center;
}

.blog-related-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 16px;
}

.blog-related-card {
  background: #fff;
  border: 1px solid var(--light-gray);
  border-radius: var(--radius);
  padding: 20px;
  transition: var(--transition);
  display: block;
  color: inherit !important;
}

.blog-related-card:hover {
  box-shadow: var(--shadow-hover);
  transform: translateY(-2px);
}

.blog-related-card .tag {
  font-size: 11px;
  font-weight: 600;
  text-transform: uppercase;
  color: var(--royal-blue);
  letter-spacing: 0.4px;
  margin-bottom: 8px;
}

.blog-related-card h4 {
  font-size: 15px;
  font-weight: 600;
  line-height: 1.4;
  margin: 0;
}

/* ------------------------------------------
   11. Page Content (About, Policies, etc.)
   ------------------------------------------ */
.page-content {
  max-width: 800px;
  margin: 0 auto;
}

.page-content h2 {
  font-size: 26px;
  font-weight: 800;
  margin: 40px 0 16px;
  color: var(--dark);
}

.page-content h2:first-child {
  margin-top: 0;
}

.page-content h3 {
  font-size: 20px;
  font-weight: 700;
  margin: 28px 0 12px;
  color: var(--dark);
}

.page-content p {
  font-size: 16px;
  color: var(--text);
  line-height: 1.8;
  margin-bottom: 16px;
}

.page-content ul,
.page-content ol {
  margin-bottom: 20px;
  padding-left: 24px;
}

.page-content li {
  font-size: 16px;
  color: var(--text);
  line-height: 1.8;
  margin-bottom: 8px;
}

.page-content strong {
  color: var(--dark);
}

.page-content a {
  color: var(--royal-blue);
  font-weight: 500;
}

/* ------------------------------------------
   12. Value Cards (About Page)
   ------------------------------------------ */
.values-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 24px;
  margin-top: 16px;
}

.value-card {
  background: #fff;
  border: 1px solid var(--light-gray);
  border-radius: var(--radius);
  padding: 32px;
  transition: var(--transition);
  position: relative;
  border-top: 3px solid transparent;
}

.value-card:hover {
  box-shadow: var(--shadow-hover);
  transform: translateY(-4px);
  border-top-color: var(--royal-blue);
}

.value-card .icon {
  font-size: 28px;
  margin-bottom: 16px;
  line-height: 1;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: linear-gradient(135deg, rgba(37, 99, 235, 0.08), rgba(15, 118, 110, 0.06));
}

.value-card h3 {
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 10px;
  color: var(--dark);
}

.value-card p {
  font-size: 14px;
  color: var(--text);
  line-height: 1.7;
  margin-bottom: 0;
}

.alt-bg .value-card:hover {
  border-top-color: var(--teal);
}

/* ------------------------------------------
   13a. Featured Articles (Home Page)
   ------------------------------------------ */
.featured-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 24px;
  margin-top: 16px;
}

.featured-card {
  display: block;
  background: #fff;
  border: 1px solid var(--light-gray);
  border-radius: var(--radius);
  overflow: hidden;
  transition: var(--transition);
  color: inherit !important;
  position: relative;
  border-top: 3px solid transparent;
}

.featured-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-6px);
  border-top-color: var(--royal-blue);
}

.featured-card-body {
  padding: 28px;
}

.featured-card-body .blog-card-tag {
  margin-bottom: 10px;
}

.featured-card-body h3 {
  font-size: 17px;
  font-weight: 700;
  margin-bottom: 10px;
  line-height: 1.4;
  color: var(--dark);
}

.featured-card-body p {
  font-size: 14px;
  color: var(--text);
  line-height: 1.7;
  margin-bottom: 16px;
}

/* ------------------------------------------
   13b. Tip List (Home Page Safety)
   ------------------------------------------ */
.tip-list {
  max-width: 800px;
  margin: 0 auto;
  padding: 0;
  list-style: none;
}

.tip-list li {
  padding: 18px 0 18px 36px;
  font-size: 16px;
  color: var(--text);
  line-height: 1.8;
  position: relative;
  transition: var(--transition);
}

.tip-list li:not(:last-child) {
  border-bottom: 1px solid var(--light-gray);
}

.tip-list li:hover {
  padding-left: 40px;
}

.tip-list li::before {
  content: '\2713';
  position: absolute;
  left: 0;
  top: 18px;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: rgba(34, 197, 94, 0.1);
  color: var(--light-green);
  font-weight: 700;
  font-size: 13px;
  display: flex;
  align-items: center;
  justify-content: center;
  line-height: 1;
}

.tip-list li strong {
  color: var(--dark);
}

/* ------------------------------------------
    13c. Section CTA (Home Page)
   ------------------------------------------ */
.section-cta {
  text-align: center;
  margin-top: 32px;
}

/* ------------------------------------------
    13d. Hero Actions (Home Page)
   ------------------------------------------ */
.hero-actions {
  margin-top: 28px;
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

/* ------------------------------------------
   13e. Info Table (Home Page Comparison)
   ------------------------------------------ */
.table-wrap {
  overflow-x: auto;
  margin: 0 auto;
  max-width: 900px;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.info-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 15px;
  background: #fff;
}

.info-table thead {
  background: linear-gradient(135deg, var(--deep-blue), #1e40af);
  color: #fff;
}

.info-table th {
  padding: 16px 20px;
  text-align: left;
  font-weight: 600;
  font-size: 14px;
  white-space: nowrap;
  letter-spacing: 0.3px;
  position: sticky;
  top: 0;
  z-index: 1;
}

.info-table td {
  padding: 14px 20px;
  border-bottom: 1px solid var(--light-gray);
  color: var(--text);
  line-height: 1.6;
  vertical-align: top;
}

.info-table tbody tr:nth-child(even) {
  background: rgba(37, 99, 235, 0.02);
}

.info-table tbody tr:hover {
  background: rgba(37, 99, 235, 0.06);
}

.info-table tbody tr:last-child td {
  border-bottom: none;
}

.info-table td:first-child {
  white-space: nowrap;
  font-weight: 600;
  color: var(--dark);
}

.info-table td:nth-child(3) {
  white-space: nowrap;
  color: var(--teal);
  font-weight: 500;
}

@media (max-width: 640px) {
  .table-wrap {
    margin: 0 -20px;
    border-radius: 0;
  }

  .info-table {
    font-size: 13px;
  }

  .info-table th,
  .info-table td {
    padding: 10px 12px;
  }

  .info-table td:first-child {
    white-space: normal;
    min-width: 100px;
  }

  .info-table td:nth-child(3) {
    white-space: normal;
  }
}

/* ------------------------------------------
   13f. Step List (How to Choose)
   ------------------------------------------ */
.step-list {
  max-width: 800px;
  margin: 0 auto;
  padding: 0;
  list-style: none;
  counter-reset: step-counter;
  position: relative;
}

.step-list::before {
  content: '';
  position: absolute;
  left: 18px;
  top: 32px;
  bottom: 32px;
  width: 2px;
  background: linear-gradient(180deg, var(--royal-blue), var(--teal), transparent);
  opacity: 0.2;
  border-radius: 1px;
}

.step-list li {
  counter-increment: step-counter;
  padding: 24px 0 24px 60px;
  font-size: 16px;
  color: var(--text);
  line-height: 1.8;
  position: relative;
}

.step-list li:not(:last-child) {
  border-bottom: 1px solid var(--light-gray);
}

.step-list li::before {
  content: counter(step-counter);
  position: absolute;
  left: 0;
  top: 22px;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--royal-blue), var(--deep-blue));
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 15px;
  line-height: 1;
  box-shadow: 0 2px 8px rgba(37, 99, 235, 0.3);
  z-index: 1;
}

.step-list li strong {
  color: var(--dark);
}

.step-list li:hover strong {
  color: var(--royal-blue);
}

/* ------------------------------------------
   13g. Inline Page Content (Body Copy)
   ------------------------------------------ */
.content-body {
  max-width: 800px;
  margin: 0 auto;
}

.content-body h3 {
  font-size: 20px;
  font-weight: 700;
  margin: 36px 0 12px;
  color: var(--dark);
  padding-left: 16px;
  position: relative;
}

.content-body h3:first-child {
  margin-top: 0;
}

.content-body h3::before {
  content: '';
  position: absolute;
  left: 0;
  top: 4px;
  bottom: 4px;
  width: 3px;
  border-radius: 2px;
  background: linear-gradient(180deg, var(--royal-blue), var(--teal));
}

.content-body h3:first-child::before {
  top: 0;
}

.content-body p {
  font-size: 16px;
  color: var(--text);
  line-height: 1.85;
  margin-bottom: 16px;
}

.content-body ul {
  margin-bottom: 24px;
  padding-left: 0;
  list-style: none;
}

.content-body ul li {
  font-size: 16px;
  color: var(--text);
  line-height: 1.8;
  margin-bottom: 12px;
  padding-left: 28px;
  position: relative;
}

.content-body ul li::before {
  content: '';
  position: absolute;
  left: 4px;
  top: 11px;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--royal-blue);
  opacity: 0.4;
}

.content-body ul li strong {
  color: var(--dark);
}

.content-body a {
  font-weight: 500;
  text-decoration: underline;
  text-underline-offset: 2px;
  transition: var(--transition);
}

.content-body a:hover {
  color: var(--deep-blue);
  text-decoration-color: var(--deep-blue);
}

/* ------------------------------------------
   13. FAQ Accordion
   ------------------------------------------ */
.faq-list {
  max-width: 800px;
  margin: 0 auto;
}

.faq-item {
  border: 1px solid var(--light-gray);
  border-radius: var(--radius);
  margin-bottom: 12px;
  overflow: hidden;
  background: #fff;
  transition: var(--transition);
  border-left: 3px solid transparent;
}

.faq-item:hover {
  border-color: #cbd5e1;
  border-left-color: var(--royal-blue);
}

.faq-item.active {
  border-left-color: var(--royal-blue);
  box-shadow: var(--shadow);
}

.faq-question {
  width: 100%;
  padding: 20px 24px;
  background: none;
  border: none;
  text-align: left;
  font-size: 16px;
  font-weight: 600;
  color: var(--dark);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-family: inherit;
  transition: var(--transition);
  gap: 16px;
}

.faq-question:hover {
  background: var(--off-white);
}

.faq-item.active .faq-question {
  color: var(--royal-blue);
}

.faq-icon {
  transition: var(--transition);
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: rgba(37, 99, 235, 0.08);
  display: flex;
  align-items: center;
  justify-content: center;
}

.faq-icon::after {
  content: '';
  display: block;
  width: 12px;
  height: 12px;
  background: var(--royal-blue);
  mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='currentColor' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E") center/contain no-repeat;
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='currentColor' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E") center/contain no-repeat;
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
  background: var(--royal-blue);
}

.faq-item.active .faq-icon::after {
  background: #fff;
}

.faq-item.active .faq-icon {
  transform: rotate(180deg);
  background: var(--royal-blue);
  color: #fff;
}

.faq-answer {
  padding: 0 24px;
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.4s ease, opacity 0.3s ease;
  opacity: 0;
}

.faq-item.active .faq-answer {
  max-height: 800px;
  padding: 0 24px 24px;
  opacity: 1;
}

.faq-answer p {
  font-size: 15px;
  color: var(--text);
  line-height: 1.8;
  margin-bottom: 8px;
}

.faq-answer p:last-child {
  margin-bottom: 0;
}

.faq-answer ul {
  padding-left: 20px;
  margin: 8px 0;
}

.faq-answer li {
  font-size: 15px;
  color: var(--text);
  line-height: 1.8;
  margin-bottom: 4px;
}

/* ------------------------------------------
   14. Contact Page
   ------------------------------------------ */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
}

.contact-info h3 {
  font-size: 20px;
  font-weight: 700;
  margin-bottom: 10px;
  color: var(--dark);
}

.contact-info p {
  font-size: 15px;
  color: var(--text);
  line-height: 1.7;
  margin-bottom: 24px;
}

.contact-step {
  display: flex;
  gap: 16px;
  margin-bottom: 24px;
  align-items: flex-start;
}

.contact-step-num {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--royal-blue);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 15px;
  flex-shrink: 0;
}

.contact-step h4 {
  font-size: 15px;
  font-weight: 600;
  margin-bottom: 4px;
  color: var(--dark);
}

.contact-step p {
  font-size: 14px;
  color: var(--text);
  margin-bottom: 0;
  line-height: 1.6;
}

/* ------------------------------------------
   15. Government Links
   ------------------------------------------ */
.govt-links {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(240px, 1fr));
  gap: 16px;
  max-width: 800px;
  margin: 0 auto;
}

.govt-link {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 18px 22px;
  background: #fff;
  border: 1px solid var(--light-gray);
  border-radius: var(--radius);
  color: var(--text) !important;
  font-weight: 500;
  transition: var(--transition);
}

.govt-link:hover {
  border-color: var(--royal-blue);
  box-shadow: var(--shadow-hover);
  color: var(--royal-blue) !important;
  transform: translateY(-2px);
}

.govt-link-icon {
  font-size: 20px;
  width: 36px;
  height: 36px;
  border-radius: 10px;
  background: rgba(37, 99, 235, 0.06);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: var(--transition);
}

.govt-link:hover .govt-link-icon {
  background: var(--royal-blue);
  color: #fff;
}

/* ------------------------------------------
   16. Disclaimer Box (Info/Warning)
   ------------------------------------------ */
.disclaimer-box {
  display: flex;
  gap: 16px;
  background: linear-gradient(135deg, rgba(249, 115, 22, 0.05), rgba(249, 115, 22, 0.02));
  border: 1px solid rgba(249, 115, 22, 0.15);
  border-radius: var(--radius);
  padding: 24px 28px;
  font-size: 14px;
  color: var(--text);
  line-height: 1.7;
  max-width: 800px;
  margin: 0 auto;
}

.warn-icon {
  font-size: 20px;
  flex-shrink: 0;
  line-height: 1.5;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(249, 115, 22, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
}

/* ------------------------------------------
   17. Footer
   ------------------------------------------ */
.footer {
  background: var(--dark);
  color: #94a3b8;
  padding: 60px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}

.footer-brand .logo {
  margin-bottom: 14px;
  color: #fff !important;
}

.footer-brand .logo .logo-icon {
  color: #fff;
}

.footer-brand p {
  font-size: 14px;
  line-height: 1.7;
  max-width: 320px;
}

.footer-col h4 {
  color: #fff;
  font-size: 15px;
  font-weight: 700;
  margin-bottom: 18px;
  letter-spacing: -0.2px;
}

.footer-col a {
  display: block;
  padding: 5px 0;
  font-size: 14px;
  color: #94a3b8;
  transition: var(--transition);
}

.footer-col a:hover {
  color: #fff;
  padding-left: 4px;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  font-size: 13px;
  flex-wrap: wrap;
  gap: 8px;
}

/* ------------------------------------------
   18. Media Queries (Tablet — max 768px)
   ------------------------------------------ */
@media (max-width: 768px) {
  /* Navigation */
  .nav-links {
    display: none;
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    background: #fff;
    flex-direction: column;
    padding: 16px 24px 24px;
    border-bottom: 1px solid var(--light-gray);
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.08);
    gap: 4px;
  }

  .nav-links.open {
    display: flex;
  }

  .hamburger {
    display: flex;
  }

  /* Hero */
  .page-hero h1 {
    font-size: 28px;
  }

  .page-hero {
    padding: 64px 0;
  }

  .page-hero-desc {
    font-size: 16px;
  }

  /* Layout */
  .section {
    padding: 56px 0;
  }

  .section-header h2 {
    font-size: 26px;
  }

  .section-header h2::after {
    width: 40px;
    height: 2.5px;
  }

  .hero-actions {
    flex-direction: column;
    align-items: flex-start;
  }

  .values-grid {
    grid-template-columns: 1fr;
  }

  .featured-grid {
    grid-template-columns: 1fr;
  }

  .govt-links {
    grid-template-columns: 1fr;
  }

  .container {
    padding: 0 20px;
  }

  .nav-container {
    padding: 0 20px;
  }

  /* Blog */
  .blog-grid {
    grid-template-columns: 1fr;
  }

  .blog-article-hero h1 {
    font-size: 28px;
  }

  .blog-article-hero {
    padding: 52px 0 48px;
  }

  .blog-article-container {
    padding: 40px 0;
  }

  .blog-article-body {
    font-size: 16px;
  }

  .blog-article-body p {
    font-size: 16px;
  }

  .blog-article-body h4 {
    font-size: 20px;
  }

  .blog-related-grid {
    grid-template-columns: 1fr 1fr;
  }

  /* Footer */
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }

  /* Contact */
  .contact-grid {
    grid-template-columns: 1fr;
  }

  /* Step List */
  .step-list li {
    padding: 20px 0 20px 52px;
    font-size: 15px;
  }

  .step-list li::before {
    width: 34px;
    height: 34px;
    font-size: 14px;
    top: 18px;
  }

  .step-list::before {
    left: 16px;
  }

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

/* ------------------------------------------
   19. Media Queries (Mobile — max 480px)
   ------------------------------------------ */
@media (max-width: 480px) {
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
    gap: 4px;
  }

  .blog-card-body {
    padding: 20px;
  }

  .value-card {
    padding: 24px;
  }

  .top-bar .container {
    font-size: 12px;
  }

  .page-hero h1 {
    font-size: 24px;
  }

  .hero-actions {
    flex-direction: column;
    align-items: flex-start;
  }

  .hero-actions .btn {
    width: 100%;
    justify-content: center;
  }

  .tip-list li {
    padding: 14px 0 14px 32px;
    font-size: 15px;
  }

  .tip-list li::before {
    top: 14px;
    width: 22px;
    height: 22px;
    font-size: 12px;
  }

  .blog-article-hero h1 {
    font-size: 24px;
  }

  .blog-article-body {
    font-size: 15px;
  }

  .blog-article-body p {
    font-size: 15px;
  }

  .blog-article-body li {
    font-size: 15px;
  }

  .blog-related-grid {
    grid-template-columns: 1fr;
  }
}

/* ============================================
   Cookie Consent Banner
   ============================================ */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: #1a1a2e;
  color: #e2e8f0;
  padding: 16px 24px;
  z-index: 9999;
  display: none;
  box-shadow: 0 -4px 20px rgba(0,0,0,0.15);
  font-size: 14px;
  line-height: 1.6;
}

.cookie-banner.show {
  display: block;
}

.cookie-banner .cookie-container {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}

.cookie-banner .cookie-text {
  flex: 1;
  min-width: 240px;
}

.cookie-banner .cookie-text a {
  color: #60a5fa;
  text-decoration: underline;
}

.cookie-banner .cookie-text a:hover {
  color: #93c5fd;
}

.cookie-banner .cookie-actions {
  display: flex;
  gap: 10px;
  flex-shrink: 0;
}

.cookie-banner .btn-accept {
  background: #2563eb;
  color: #fff;
  border: none;
  padding: 10px 24px;
  border-radius: 6px;
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: background 0.2s;
}

.cookie-banner .btn-accept:hover {
  background: #1d4ed8;
}

.cookie-banner .btn-decline {
  background: transparent;
  color: #94a3b8;
  border: 1px solid #475569;
  padding: 10px 24px;
  border-radius: 6px;
  font-size: 14px;
  font-weight: 500;
  cursor: pointer;
  transition: all 0.2s;
}

.cookie-banner .btn-decline:hover {
  color: #e2e8f0;
  border-color: #64748b;
}

@media (max-width: 640px) {
  .cookie-banner {
    padding: 14px 16px;
  }
  .cookie-banner .cookie-container {
    flex-direction: column;
    align-items: stretch;
    gap: 12px;
  }
  .cookie-banner .cookie-actions {
    justify-content: stretch;
  }
  .cookie-banner .btn-accept,
  .cookie-banner .btn-decline {
    flex: 1;
    text-align: center;
  }
}