/* ============================================================
   LUMEN INSURANCE — Main Stylesheet
   Design: Professional Minimalism (Gasanmamo-inspired palette)
   ============================================================ */

/* ---- CSS Variables ---- */
:root {
  --primary:     #003087;
  --primary-dk:  #001f5c;
  --secondary:   #0066CC;
  --accent:      #F5A623;
  --accent-dk:   #d48a0a;
  --bg:          #FFFFFF;
  --bg-alt:      #F4F7FB;
  --text:        #1A2B4A;
  --text-light:  #5a6a84;
  --border:      #dde4ef;
  --shadow:      0 4px 24px rgba(0,48,135,0.08);
  --shadow-hover:0 8px 32px rgba(0,48,135,0.15);
  --radius:      10px;
  --radius-lg:   18px;
  --transition:  0.25s ease;
  --font-head:   'Montserrat', sans-serif;
  --font-body:   'Open Sans', sans-serif;
  --nav-h:       72px;
}

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  scroll-behavior: smooth;
  scroll-padding-top: var(--nav-h);
  font-size: 16px;
}

body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--bg);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a  { color: inherit; text-decoration: none; }
ul { list-style: none; }

/* ---- Utility ---- */
.container {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
}

section { padding: 96px 0; }

.section-header {
  text-align: center;
  margin-bottom: 56px;
}

.section-header h2 {
  font-family: var(--font-head);
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  font-weight: 800;
  color: var(--primary);
  letter-spacing: -0.5px;
  margin-bottom: 12px;
}

.section-divider {
  width: 52px;
  height: 4px;
  background: var(--accent);
  border-radius: 2px;
  margin: 0 auto 20px;
}

.section-subtitle {
  font-size: 1.05rem;
  color: var(--text-light);
  max-width: 540px;
  margin: 0 auto;
}

/* ---- Buttons ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 0.95rem;
  padding: 14px 32px;
  border-radius: 50px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition);
  letter-spacing: 0.3px;
  text-decoration: none;
}

.btn-primary {
  background: var(--accent);
  color: #1A2B4A;
  border-color: var(--accent);
}
.btn-primary:hover {
  background: var(--accent-dk);
  border-color: var(--accent-dk);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(245,166,35,0.35);
}

.btn-outline {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,0.6);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.12);
  border-color: #fff;
}

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

.btn-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--secondary);
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 0.9rem;
  transition: gap var(--transition), color var(--transition);
}
.btn-link:hover {
  color: var(--primary);
  gap: 10px;
}

.btn-link-sm {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  color: var(--secondary);
  font-size: 0.875rem;
  font-weight: 600;
  transition: color var(--transition);
}
.btn-link-sm:hover { color: var(--primary); }

/* ============================================================
   NAVBAR
   ============================================================ */
#navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  height: var(--nav-h);
  background: transparent;
  z-index: 1000;
  transition: background var(--transition), box-shadow var(--transition);
}

#navbar.scrolled {
  background: var(--primary);
  box-shadow: 0 2px 20px rgba(0,48,135,0.25);
}

.nav-container {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
  height: 100%;
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav-logo {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
  flex-shrink: 0;
}
.logo-main {
  font-family: var(--font-head);
  font-weight: 800;
  font-size: 1.35rem;
  letter-spacing: 3px;
  color: #fff;
}
.logo-sub {
  font-family: var(--font-head);
  font-size: 0.6rem;
  letter-spacing: 3.5px;
  color: var(--accent);
  font-weight: 600;
}

/* Lumen logo image in navbar */
.nav-logo-img {
  height: 44px;
  width: auto;
  display: block;
  /* white bg so logo is legible on dark navbar */
  background: #fff;
  border-radius: 6px;
  padding: 4px 8px;
}

.nav-links {
  display: flex;
  gap: 8px;
  margin-left: auto;
}

.nav-links a {
  font-family: var(--font-head);
  font-size: 0.875rem;
  font-weight: 600;
  color: rgba(255,255,255,0.85);
  padding: 8px 16px;
  border-radius: 50px;
  letter-spacing: 0.3px;
  transition: all var(--transition);
}
.nav-links a:hover,
.nav-links a.active {
  color: #fff;
  background: rgba(255,255,255,0.12);
}

.lang-toggle {
  display: flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.25);
  color: #fff;
  font-family: var(--font-head);
  font-size: 0.8rem;
  font-weight: 700;
  padding: 7px 14px;
  border-radius: 50px;
  cursor: pointer;
  transition: all var(--transition);
  letter-spacing: 0.5px;
  flex-shrink: 0;
}
.lang-toggle:hover {
  background: rgba(255,255,255,0.22);
  border-color: rgba(255,255,255,0.5);
}

.hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 40px;
  height: 40px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
  margin-left: auto;
}
.hamburger span {
  display: block;
  width: 100%;
  height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: all 0.3s ease;
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ============================================================
   HERO
   ============================================================ */
#hero {
  min-height: 100vh;
  background: linear-gradient(135deg, var(--primary-dk) 0%, var(--primary) 45%, var(--secondary) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
  padding: 0 24px;
}

/* Subtle geometric pattern overlay */
#hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 20% 50%, rgba(245,166,35,0.08) 0%, transparent 50%),
    radial-gradient(circle at 80% 20%, rgba(0,102,204,0.15) 0%, transparent 50%);
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 1;
  text-align: center;
  max-width: 760px;
}

/* Gasanmamo group logo in hero */
.hero-group-logo {
  margin-bottom: 20px;
}
.hero-group-logo img {
  height: 80px;
  width: auto;
  opacity: 0.85;
  margin: 0 auto;
}

.hero-badge {
  display: inline-block;
  background: rgba(245,166,35,0.18);
  border: 1px solid rgba(245,166,35,0.5);
  color: var(--accent);
  font-family: var(--font-head);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  padding: 7px 20px;
  border-radius: 50px;
  margin-bottom: 28px;
}

.hero-content h1 {
  font-family: var(--font-head);
  font-size: clamp(2.2rem, 6vw, 3.8rem);
  font-weight: 800;
  color: #fff;
  line-height: 1.15;
  letter-spacing: -1px;
  margin-bottom: 24px;
}

.hero-subtitle {
  font-size: clamp(1rem, 2vw, 1.2rem);
  color: rgba(255,255,255,0.75);
  max-width: 520px;
  margin: 0 auto 40px;
}

.hero-actions {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

.hero-scroll {
  position: absolute;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%);
  color: rgba(255,255,255,0.5);
  font-size: 1.25rem;
  animation: bounce 2s infinite;
  transition: color var(--transition);
  z-index: 1;
}
.hero-scroll:hover { color: rgba(255,255,255,0.9); }

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

/* ============================================================
   ABOUT US
   ============================================================ */
#about { background: var(--bg); }

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}

.about-text p {
  margin-bottom: 20px;
  font-size: 1.02rem;
  color: var(--text);
  line-height: 1.8;
}
.about-text p:last-child { margin-bottom: 0; }

.trust-badges {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.trust-badge {
  display: flex;
  align-items: flex-start;
  gap: 18px;
  padding: 24px;
  background: var(--bg-alt);
  border-radius: var(--radius);
  border-left: 4px solid var(--accent);
  transition: box-shadow var(--transition);
}
.trust-badge:hover { box-shadow: var(--shadow); }

.badge-icon {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  background: var(--primary);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 1.2rem;
}

.trust-badge h3 {
  font-family: var(--font-head);
  font-size: 1rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 4px;
}
.trust-badge p { font-size: 0.88rem; color: var(--text-light); line-height: 1.5; }

/* ============================================================
   SERVICES — Carousel
   ============================================================ */
#services { background: var(--bg-alt); }

.carousel-wrapper {
  display: flex;
  align-items: center;
  gap: 12px;
}

.carousel-viewport {
  overflow: hidden;
  flex: 1;
  min-width: 0;
}

.carousel-track {
  display: flex;
  gap: 28px;
  transition: transform 0.4s cubic-bezier(0.25, 0.46, 0.45, 0.94);
  will-change: transform;
}

.carousel-btn {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 2px solid var(--border);
  background: var(--bg);
  color: var(--primary);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  transition: all var(--transition);
  box-shadow: var(--shadow);
}
.carousel-btn:hover:not(:disabled) {
  background: var(--primary);
  color: #fff;
  border-color: var(--primary);
}
.carousel-btn:disabled {
  opacity: 0.3;
  cursor: not-allowed;
}

.carousel-dots {
  display: flex;
  justify-content: center;
  gap: 0;
  margin-top: 32px;
}
.carousel-dots .dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background-color: var(--border);
  background-clip: content-box;
  box-sizing: content-box;
  border: none;
  padding: 8px;
  cursor: pointer;
  transition: all var(--transition);
}
.carousel-dots .dot.active {
  background-color: var(--primary);
  background-clip: content-box;
  width: 24px;
  border-radius: 4px;
}

.service-card {
  background: var(--bg);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.service-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-hover);
}

.service-icon-wrap {
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, var(--primary), var(--secondary));
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 1.5rem;
  flex-shrink: 0;
}

.service-card h3 {
  font-family: var(--font-head);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--primary);
}

.service-card p {
  font-size: 0.94rem;
  color: var(--text-light);
  line-height: 1.7;
  flex: 1;
}

/* ============================================================
   CONTACT
   ============================================================ */
#contact { background: var(--bg); }

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: start;
}

/* Form */
.form-group {
  margin-bottom: 22px;
  position: relative;
}

.form-group label {
  display: block;
  font-family: var(--font-head);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 7px;
  letter-spacing: 0.2px;
}

.optional {
  font-weight: 400;
  color: var(--text-light);
  font-size: 0.8em;
}

.form-group input,
.form-group textarea {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: 0.95rem;
  color: var(--text);
  background: var(--bg);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
  resize: vertical;
}
.form-group input:focus,
.form-group textarea:focus {
  border-color: var(--secondary);
  box-shadow: 0 0 0 3px rgba(0,102,204,0.1);
}
.form-group input.invalid,
.form-group textarea.invalid {
  border-color: #e03e3e;
}

.error-msg {
  display: none;
  font-size: 0.8rem;
  color: #e03e3e;
  margin-top: 5px;
}
.form-group.has-error .error-msg { display: block; }

.form-success {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 18px;
  padding: 14px 18px;
  background: #eaf7f0;
  border: 1px solid #6fcf97;
  border-radius: var(--radius);
  color: #1a7a4a;
  font-weight: 600;
  font-size: 0.92rem;
}
.form-success[hidden] { display: none; }

/* Contact Info */
.contact-info h3 {
  font-family: var(--font-head);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 20px;
}

.agent-card {
  background: var(--bg-alt);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  padding: 28px;
  margin-bottom: 24px;
}

/* PM Insurance logo in contact card */
.agent-logo-img-wrap {
  margin-bottom: 20px;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--border);
}
.agent-logo-img-wrap img {
  height: 52px;
  width: auto;
  display: block;
}

.agent-details li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 9px 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.9rem;
  color: var(--text);
}
.agent-details li:last-child { border-bottom: none; }
.agent-details li i {
  color: var(--secondary);
  width: 16px;
  margin-top: 3px;
  flex-shrink: 0;
}
.agent-details a { color: var(--secondary); }
.agent-details a:hover { color: var(--primary); text-decoration: underline; }

.gasanmamo-note {
  padding: 20px;
  background: linear-gradient(135deg, rgba(0,48,135,0.04), rgba(0,102,204,0.06));
  border-radius: var(--radius);
  border: 1px solid rgba(0,48,135,0.1);
}
.gasanmamo-note p {
  font-size: 0.875rem;
  color: var(--text-light);
  margin-bottom: 10px;
  line-height: 1.6;
}

/* ============================================================
   FOOTER
   ============================================================ */
#footer {
  background: var(--primary-dk);
  color: rgba(255,255,255,0.75);
  padding: 64px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}

/* Lumen logo in footer */
.footer-lumen-logo {
  height: 48px;
  width: auto;
  display: block;
  background: #fff;
  border-radius: 6px;
  padding: 4px 8px;
  margin-bottom: 16px;
}

/* Gasanmamo logo in footer */
.footer-gasanmamo {
  margin-bottom: 14px;
}
.footer-gasanmamo-logo {
  height: 30px;
  width: auto;
  display: block;
  opacity: 0.7;
}

.footer-brand p {
  font-size: 0.875rem;
  line-height: 1.6;
  margin-bottom: 8px;
}

.footer-sub { color: rgba(255,255,255,0.8) !important; font-size: 0.82rem !important; }

.footer-col h4 {
  font-family: var(--font-head);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 18px;
}

.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col a {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.65);
  transition: color var(--transition);
}
.footer-col a:hover { color: #fff; }

/* Small map in footer */
.footer-map {
  margin-top: 14px;
  border-radius: 8px;
  overflow: hidden;
  border: 1px solid rgba(255,255,255,0.1);
}
.footer-map iframe {
  width: 100%;
  height: 150px;
  border: none;
  display: block;
  filter: grayscale(30%);
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 0;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.75);
  gap: 16px;
  flex-wrap: wrap;
}
.footer-bottom a { color: rgba(255,255,255,0.75); transition: color var(--transition); }
.footer-bottom a:hover { color: #fff; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: span 2; }
}

@media (max-width: 768px) {
  :root { --nav-h: 64px; }

  section { padding: 72px 0; }

  /* Navbar mobile */
  .hamburger { display: flex; }
  .lang-toggle { margin-left: 0; }

  .nav-links {
    display: none;
    position: fixed;
    top: var(--nav-h);
    left: 0; right: 0;
    background: var(--primary-dk);
    flex-direction: column;
    padding: 16px 24px 24px;
    gap: 4px;
    border-top: 1px solid rgba(255,255,255,0.1);
    box-shadow: 0 8px 24px rgba(0,0,0,0.2);
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 12px 16px; display: block; }

  .nav-container { flex-wrap: nowrap; }

  /* Grids → single column */
  .about-grid,
  .contact-grid { grid-template-columns: 1fr; gap: 40px; }

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

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

  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: span 2; }
}

@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
  .footer-brand { grid-column: span 1; }
  .footer-bottom { flex-direction: column; text-align: center; }
}

/* ============================================================
   SCROLL-IN ANIMATION
   ============================================================ */
.animate-on-scroll {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.5s ease, transform 0.5s ease;
}
.animate-on-scroll.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Stagger children in grids */
.services-grid .service-card:nth-child(2) { transition-delay: 0.08s; }
.services-grid .service-card:nth-child(3) { transition-delay: 0.16s; }
.services-grid .service-card:nth-child(4) { transition-delay: 0.24s; }

.trust-badges .trust-badge:nth-child(2) { transition-delay: 0.1s; }
.trust-badges .trust-badge:nth-child(3) { transition-delay: 0.2s; }

/* Screen-reader / SEO only — visually hidden */
.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

/* ============================================================
   SERVICE PAGES
   ============================================================ */

/* Hero banner */
.svc-hero {
  background: linear-gradient(135deg, var(--primary-dk) 0%, var(--primary) 50%, var(--secondary) 100%);
  padding: calc(var(--nav-h) + 56px) 24px 64px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.svc-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 20% 60%, rgba(245,166,35,0.07) 0%, transparent 50%),
    radial-gradient(circle at 80% 30%, rgba(0,102,204,0.12) 0%, transparent 50%);
  pointer-events: none;
}
.svc-hero-inner {
  position: relative;
  z-index: 1;
  max-width: 720px;
  margin: 0 auto;
}
.svc-back-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.65);
  font-family: var(--font-head);
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 28px;
  transition: color var(--transition);
}
.svc-back-link:hover { color: #fff; }
.svc-hero-icon {
  width: 72px;
  height: 72px;
  background: rgba(255,255,255,0.12);
  border: 2px solid rgba(255,255,255,0.25);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 1.8rem;
  margin: 0 auto 24px;
}
.svc-hero h1 {
  font-family: var(--font-head);
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 800;
  color: #fff;
  letter-spacing: -0.5px;
  margin-bottom: 18px;
}
.svc-hero-subtitle {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.75);
  line-height: 1.75;
  max-width: 640px;
  margin: 0 auto;
}

/* Content sections */
.svc-section { padding: 72px 0; }
.svc-section-alt { background: var(--bg-alt); }
.svc-section-header { margin-bottom: 40px; }
.svc-section-header h2 {
  font-family: var(--font-head);
  font-size: clamp(1.4rem, 3vw, 1.9rem);
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 10px;
}
.svc-divider {
  width: 40px;
  height: 3px;
  background: var(--accent);
  border-radius: 2px;
}

/* Feature cards */
.svc-features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 24px;
}
.svc-feature-card {
  background: var(--bg);
  border-radius: var(--radius-lg);
  padding: 28px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
  transition: transform var(--transition), box-shadow var(--transition);
}
.svc-feature-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-hover);
}
.svc-feature-card h3 {
  font-family: var(--font-head);
  font-size: 1rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 10px;
}
.svc-feature-card p { font-size: 0.92rem; color: var(--text-light); line-height: 1.65; }

/* Coverage list */
.svc-coverage-list {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 10px;
  list-style: none;
}
.svc-coverage-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  background: var(--bg);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  font-size: 0.92rem;
  color: var(--text);
}
.svc-coverage-list li::before {
  content: '';
  flex-shrink: 0;
  width: 8px; height: 8px;
  background: var(--accent);
  border-radius: 50%;
}

/* Exclusions list */
.svc-excl-list {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 10px;
  list-style: none;
}
.svc-excl-list li {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  background: #fff8f8;
  border-radius: var(--radius);
  border: 1px solid #fde8e8;
  font-size: 0.92rem;
  color: var(--text);
}
.svc-excl-list li::before {
  content: '';
  flex-shrink: 0;
  width: 8px; height: 8px;
  background: #e03e3e;
  border-radius: 50%;
}

/* Stats */
.svc-stats {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 24px;
  margin-bottom: 48px;
}
.svc-stat {
  text-align: center;
  background: var(--bg);
  border-radius: var(--radius-lg);
  padding: 36px 24px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
}
.svc-stat-num {
  font-family: var(--font-head);
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--primary);
  line-height: 1;
  margin-bottom: 8px;
}
.svc-stat-label { font-size: 0.88rem; color: var(--text-light); line-height: 1.5; }

/* Process steps */
.svc-process {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
}
.svc-process-step {
  text-align: center;
  padding: 32px 24px;
  background: var(--bg);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
}
.svc-process-step h3 {
  font-family: var(--font-head);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 10px;
}
.svc-process-step p { font-size: 0.92rem; color: var(--text-light); line-height: 1.65; }

/* Note box */
.svc-note {
  background: linear-gradient(135deg, rgba(0,48,135,0.04), rgba(0,102,204,0.06));
  border: 1px solid rgba(0,48,135,0.12);
  border-left: 4px solid var(--secondary);
  border-radius: var(--radius);
  padding: 18px 24px;
  font-size: 0.92rem;
  color: var(--text);
  margin-top: 28px;
  line-height: 1.65;
}
.svc-note strong { color: var(--primary); }

/* Why Choose P&M */
.svc-why {
  background: var(--primary);
  padding: 80px 0;
}
.svc-why .svc-section-header h2 { color: #fff; }
.svc-why .svc-divider { background: var(--accent); }
.svc-why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
}
.svc-why-card {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  text-align: center;
  transition: background var(--transition);
}
.svc-why-card:hover { background: rgba(255,255,255,0.13); }
.svc-why-icon {
  width: 52px; height: 52px;
  background: rgba(245,166,35,0.15);
  border: 2px solid rgba(245,166,35,0.4);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent);
  font-size: 1.2rem;
  margin: 0 auto 16px;
}
.svc-why-card h3 {
  font-family: var(--font-head);
  font-size: 1rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 10px;
}
.svc-why-card p { font-size: 0.88rem; color: rgba(255,255,255,0.7); line-height: 1.65; }

/* CTA */
.svc-cta { background: var(--bg-alt); padding: 80px 0; text-align: center; }
.svc-cta h2 {
  font-family: var(--font-head);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 16px;
}
.svc-cta p {
  font-size: 1.05rem;
  color: var(--text-light);
  max-width: 480px;
  margin: 0 auto 36px;
  line-height: 1.7;
}

@media (max-width: 768px) {
  .svc-hero { padding: calc(var(--nav-h) + 40px) 24px 48px; }
  .svc-section { padding: 56px 0; }
  .svc-why { padding: 56px 0; }
  .svc-cta { padding: 56px 0; }
  .svc-why-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 480px) {
  .svc-why-grid { grid-template-columns: 1fr; }
  .svc-stats { grid-template-columns: 1fr 1fr; }
}