/* ============================================================
   pages.css — Inner pages styles for MSB Insurance
   Covers: about, insurance listing, product detail,
           team, contact, join-agent
   ============================================================ */

/* ── Page Hero ─────────────────────────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, #003366 0%, #0a4a8c 60%, #4169e1 100%);
  padding: 120px 0 70px;
  position: relative;
  overflow: hidden;
}
.page-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");
}
.page-hero-content { position: relative; z-index: 1; }
.page-hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,130,0,.15);
  border: 1px solid rgba(255,130,0,.4);
  color: #ff8200;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 100px;
  margin-bottom: 18px;
}
.page-hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2rem, 5vw, 3.2rem);
  color: #fff;
  font-weight: 700;
  line-height: 1.15;
  margin-bottom: 16px;
}
.page-hero p {
  color: rgba(255,255,255,.75);
  font-size: 1.1rem;
  max-width: 580px;
  line-height: 1.7;
}
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: 28px;
  font-size: .85rem;
}
.breadcrumb a { color: rgba(255,255,255,.6); text-decoration: none; transition: color .2s; }
.breadcrumb a:hover { color: #ff8200; }
.breadcrumb span { color: rgba(255,255,255,.35); }
.breadcrumb .current { color: #fff; }

/* ── About Page ─────────────────────────────────────────────── */
.about-intro {
  padding: 90px 0;
}
.about-intro-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.about-img-wrap {
  position: relative;
}
.about-img-wrap img {
  width: 100%;
  border-radius: 20px;
  display: block;
  object-fit: cover;
  height: 540px;
}
.about-img-badge {
  position: absolute;
  bottom: 30px;
  left: -20px;
  background: #fff;
  border-radius: 16px;
  padding: 18px 24px;
  box-shadow: 0 20px 60px rgba(0,51,102,.2);
  display: flex;
  align-items: center;
  gap: 14px;
}
.about-img-badge .badge-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: linear-gradient(135deg,#ff8200,#e06000);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  flex-shrink: 0;
}
.about-img-badge .badge-num {
  font-size: 1.6rem;
  font-weight: 800;
  color: #003366;
  line-height: 1;
}
.about-img-badge .badge-label {
  font-size: .75rem;
  color: #666;
  margin-top: 3px;
}
.about-img-badge2 {
  position: absolute;
  top: 30px;
  right: -20px;
  background: #003366;
  border-radius: 16px;
  padding: 18px 24px;
  box-shadow: 0 20px 60px rgba(0,51,102,.4);
  text-align: center;
}
.about-img-badge2 .badge-num { font-size: 1.6rem; font-weight: 800; color: #fff; line-height: 1; }
.about-img-badge2 .badge-label { font-size: .75rem; color: rgba(255,255,255,.65); margin-top: 3px; }
.about-text-section .section-eyebrow { margin-bottom: 12px; }
.about-text-section h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  color: #003366;
  font-weight: 700;
  line-height: 1.25;
  margin-bottom: 20px;
}
.about-text-section p {
  color: #555;
  line-height: 1.8;
  margin-bottom: 16px;
  font-size: 1.02rem;
}
.about-highlights {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-top: 28px;
}
.about-highlight-item {
  display: flex;
  align-items: center;
  gap: 10px;
  background: #f4f7fb;
  border-radius: 10px;
  padding: 12px 16px;
}
.about-highlight-item .hi-icon {
  width: 34px;
  height: 34px;
  border-radius: 8px;
  background: linear-gradient(135deg,#003366,#4169e1);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .9rem;
  flex-shrink: 0;
}
.about-highlight-item span { font-size: .88rem; font-weight: 600; color: #003366; }

/* About Mission / Vision */
.about-mission {
  padding: 80px 0;
  background: linear-gradient(135deg, #f8faff 0%, #eef2fb 100%);
}
.mission-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}
.mission-card {
  background: #fff;
  border-radius: 20px;
  padding: 38px 30px;
  box-shadow: 0 4px 30px rgba(0,51,102,.07);
  text-align: center;
  transition: transform .3s, box-shadow .3s;
  position: relative;
  overflow: hidden;
}
.mission-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg,#003366,#4169e1);
}
.mission-card:hover { transform: translateY(-6px); box-shadow: 0 16px 50px rgba(0,51,102,.14); }
.mission-card .mc-icon {
  width: 70px;
  height: 70px;
  border-radius: 20px;
  background: linear-gradient(135deg,#003366,#4169e1);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  margin: 0 auto 22px;
}
.mission-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.3rem;
  color: #003366;
  font-weight: 700;
  margin-bottom: 12px;
}
.mission-card p { font-size: .93rem; color: #666; line-height: 1.75; }

/* About Timeline */
.about-journey {
  padding: 90px 0;
}
.journey-title {
  text-align: center;
  margin-bottom: 60px;
}
.journey-title h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  color: #003366;
  font-weight: 700;
  margin-bottom: 12px;
}
.journey-title p { color: #666; font-size: 1rem; }
.timeline {
  position: relative;
  max-width: 820px;
  margin: 0 auto;
}
.timeline::before {
  content: '';
  position: absolute;
  left: 50%;
  transform: translateX(-50%);
  top: 0; bottom: 0;
  width: 2px;
  background: linear-gradient(to bottom, #003366, #4169e1, #ff8200);
}
.timeline-item {
  display: grid;
  grid-template-columns: 1fr 60px 1fr;
  align-items: center;
  margin-bottom: 48px;
  position: relative;
}
.timeline-item.right .tl-content { grid-column: 3; text-align: left; }
.timeline-item.left .tl-content { grid-column: 1; text-align: right; }
.timeline-dot {
  grid-column: 2;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg,#003366,#4169e1);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .9rem;
  z-index: 1;
  margin: 0 auto;
  box-shadow: 0 0 0 6px rgba(65,105,225,.2);
}
.tl-content {
  background: #fff;
  border-radius: 16px;
  padding: 24px 28px;
  box-shadow: 0 4px 24px rgba(0,51,102,.08);
  border: 1px solid rgba(0,51,102,.07);
}
.tl-year {
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: #ff8200;
  margin-bottom: 6px;
}
.tl-content h4 { font-size: 1.05rem; font-weight: 700; color: #003366; margin-bottom: 6px; }
.tl-content p { font-size: .88rem; color: #666; line-height: 1.65; }

/* About Credentials */
.about-credentials {
  padding: 80px 0;
  background: #003366;
}
.credentials-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.cred-card {
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 16px;
  padding: 30px 24px;
  text-align: center;
  transition: background .3s;
}
.cred-card:hover { background: rgba(255,255,255,.12); }
.cred-card .cred-icon { font-size: 2.2rem; margin-bottom: 16px; display: block; }
.cred-card .cred-num {
  font-size: 2.2rem;
  font-weight: 800;
  color: #fff;
  display: block;
  line-height: 1;
  margin-bottom: 6px;
}
.cred-card .cred-label { font-size: .85rem; color: rgba(255,255,255,.65); }

/* ── Insurance Listing Page ────────────────────────────────── */
.insurance-filters {
  padding: 50px 0 0;
}
.filter-bar {
  background: #fff;
  border-radius: 16px;
  padding: 24px 28px;
  box-shadow: 0 4px 24px rgba(0,51,102,.08);
  border: 1px solid rgba(0,51,102,.07);
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}
.filter-bar-label {
  font-size: .8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: #003366;
  margin-right: 8px;
}
.filter-tag {
  padding: 7px 18px;
  border-radius: 100px;
  font-size: .83rem;
  font-weight: 600;
  border: 2px solid #d3d3d3;
  color: #555;
  cursor: pointer;
  transition: all .2s;
  background: #fff;
}
.filter-tag:hover,
.filter-tag.active {
  border-color: #003366;
  background: #003366;
  color: #fff;
}
.insurance-grid-section {
  padding: 40px 0 90px;
}
.insurance-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.ins-card {
  background: #fff;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 4px 24px rgba(0,51,102,.07);
  border: 1px solid rgba(0,51,102,.07);
  transition: transform .3s, box-shadow .3s;
  display: flex;
  flex-direction: column;
}
.ins-card:hover { transform: translateY(-6px); box-shadow: 0 20px 60px rgba(0,51,102,.14); }
.ins-card-img {
  position: relative;
  height: 200px;
  overflow: hidden;
}
.ins-card-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform .5s;
}
.ins-card:hover .ins-card-img img { transform: scale(1.07); }
.ins-card-img .ins-type-badge {
  position: absolute;
  top: 14px;
  left: 14px;
  background: rgba(0,51,102,.85);
  backdrop-filter: blur(8px);
  color: #fff;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 5px 12px;
  border-radius: 100px;
}
.ins-card-img .ins-featured-badge {
  position: absolute;
  top: 14px;
  right: 14px;
  background: linear-gradient(135deg,#ff8200,#e06000);
  color: #fff;
  font-size: .72rem;
  font-weight: 700;
  padding: 5px 12px;
  border-radius: 100px;
}
.ins-card-body { padding: 24px; flex: 1; display: flex; flex-direction: column; }
.ins-card-body h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.15rem;
  font-weight: 700;
  color: #003366;
  margin-bottom: 8px;
  line-height: 1.3;
}
.ins-card-body p { font-size: .9rem; color: #666; line-height: 1.65; flex: 1; margin-bottom: 18px; }
.ins-card-meta {
  display: flex;
  gap: 16px;
  padding: 14px 0;
  border-top: 1px solid #f0f0f0;
  border-bottom: 1px solid #f0f0f0;
  margin-bottom: 18px;
}
.ins-meta-item { flex: 1; text-align: center; }
.ins-meta-item .meta-val { font-size: .95rem; font-weight: 700; color: #003366; display: block; }
.ins-meta-item .meta-key { font-size: .72rem; color: #999; text-transform: uppercase; letter-spacing: .07em; }
.ins-card-footer { display: flex; gap: 10px; }
.ins-card-footer a { flex: 1; text-align: center; }

/* ── Product Detail Page ────────────────────────────────────── */
.product-detail-section {
  padding: 70px 0 90px;
}
.product-detail-grid {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 50px;
  align-items: start;
}
.product-main h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  color: #003366;
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 16px;
}
.product-meta-strip {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  padding: 20px 0;
  border-top: 1px solid #eee;
  border-bottom: 1px solid #eee;
  margin-bottom: 28px;
}
.pms-item { display: flex; flex-direction: column; gap: 3px; }
.pms-item .pms-key { font-size: .73rem; color: #999; text-transform: uppercase; letter-spacing: .08em; font-weight: 600; }
.pms-item .pms-val { font-size: 1rem; font-weight: 700; color: #003366; }
.product-img-wrap {
  border-radius: 20px;
  overflow: hidden;
  margin-bottom: 28px;
  max-height: 380px;
}
.product-img-wrap img { width: 100%; height: 380px; object-fit: cover; display: block; }
.product-desc { font-size: 1rem; color: #555; line-height: 1.85; margin-bottom: 30px; }
/* Tabs */
.product-tabs {
  display: flex;
  gap: 4px;
  background: #f0f4fb;
  border-radius: 12px;
  padding: 6px;
  margin-bottom: 28px;
  flex-wrap: wrap;
}
.ptab {
  padding: 10px 20px;
  border-radius: 9px;
  font-size: .87rem;
  font-weight: 600;
  color: #666;
  cursor: pointer;
  transition: all .2s;
  border: none;
  background: transparent;
}
.ptab.active {
  background: #fff;
  color: #003366;
  box-shadow: 0 2px 10px rgba(0,51,102,.1);
}
.ptab-content { display: none; }
.ptab-content.active { display: block; }
/* Benefits list */
.benefit-list { list-style: none; padding: 0; }
.benefit-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px 0;
  border-bottom: 1px solid #f5f5f5;
  font-size: .95rem;
  color: #444;
  line-height: 1.6;
}
.benefit-list li:last-child { border-bottom: none; }
.benefit-list li::before {
  content: '✓';
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: linear-gradient(135deg,#003366,#4169e1);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .75rem;
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 2px;
}
/* FAQ Accordion */
.faq-list { margin: 0; }
.faq-item {
  border: 1px solid #eee;
  border-radius: 12px;
  margin-bottom: 10px;
  overflow: hidden;
  transition: box-shadow .2s;
}
.faq-item.open { box-shadow: 0 4px 20px rgba(0,51,102,.08); }
.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 22px;
  cursor: pointer;
  font-size: .95rem;
  font-weight: 600;
  color: #003366;
  gap: 16px;
}
.faq-question .fq-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: #f0f4fb;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 1.1rem;
  color: #4169e1;
  transition: transform .3s, background .2s;
}
.faq-item.open .fq-icon { background: #003366; color: #fff; transform: rotate(45deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s ease;
}
.faq-answer-inner { padding: 0 22px 18px; font-size: .92rem; color: #555; line-height: 1.75; }
/* Documents required */
.docs-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.doc-item {
  display: flex;
  align-items: center;
  gap: 10px;
  background: #f8faff;
  border-radius: 10px;
  padding: 12px 16px;
  font-size: .88rem;
  color: #444;
}
.doc-item .doc-icon {
  font-size: 1.1rem;
  color: #4169e1;
  flex-shrink: 0;
}
/* Sidebar sticky */
.product-sidebar { position: sticky; top: 90px; }
.product-enquiry-card {
  background: linear-gradient(135deg,#003366,#4169e1);
  border-radius: 20px;
  padding: 32px;
  margin-bottom: 24px;
}
.product-enquiry-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.35rem;
  color: #fff;
  font-weight: 700;
  margin-bottom: 8px;
}
.product-enquiry-card p { color: rgba(255,255,255,.7); font-size: .9rem; margin-bottom: 22px; }
.product-enquiry-card .form-group { margin-bottom: 14px; }
.product-enquiry-card .form-control {
  background: rgba(255,255,255,.1);
  border-color: rgba(255,255,255,.2);
  color: #fff;
  font-size: .9rem;
}
.product-enquiry-card .form-control::placeholder { color: rgba(255,255,255,.5); }
.product-enquiry-card .form-control:focus {
  background: rgba(255,255,255,.15);
  border-color: rgba(255,255,255,.5);
  box-shadow: none;
  color: #fff;
}
.product-info-card {
  background: #fff;
  border-radius: 16px;
  padding: 24px;
  box-shadow: 0 4px 24px rgba(0,51,102,.08);
  border: 1px solid rgba(0,51,102,.07);
}
.product-info-card h4 { font-size: 1rem; font-weight: 700; color: #003366; margin-bottom: 16px; }
.pinfo-list { list-style: none; padding: 0; }
.pinfo-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 0;
  border-bottom: 1px solid #f5f5f5;
  font-size: .88rem;
  color: #555;
}
.pinfo-list li:last-child { border-bottom: none; }
.pinfo-list li .pi-icon { font-size: 1rem; width: 20px; text-align: center; }
.related-products { padding: 70px 0 90px; background: #f8faff; }
.related-products h2 {
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  color: #003366;
  font-weight: 700;
  margin-bottom: 36px;
  text-align: center;
}

/* ── Team Page ──────────────────────────────────────────────── */
.team-intro {
  padding: 80px 0;
}
.team-section-head {
  text-align: center;
  margin-bottom: 56px;
}
.team-section-head h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  color: #003366;
  font-weight: 700;
  margin-bottom: 12px;
}
.team-section-head p { color: #666; max-width: 560px; margin: 0 auto; font-size: 1rem; }
/* Leader cards */
.leaders-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
  margin-bottom: 70px;
}
.leader-card {
  background: #fff;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 4px 24px rgba(0,51,102,.08);
  border: 1px solid rgba(0,51,102,.07);
  transition: transform .3s, box-shadow .3s;
  text-align: center;
}
.leader-card:hover { transform: translateY(-6px); box-shadow: 0 20px 60px rgba(0,51,102,.14); }
.leader-card-top {
  background: linear-gradient(135deg,#003366,#4169e1);
  padding: 36px 24px 20px;
  position: relative;
}
.leader-avatar {
  width: 90px;
  height: 90px;
  border-radius: 50%;
  border: 4px solid rgba(255,255,255,.3);
  object-fit: cover;
  margin: 0 auto 14px;
  display: block;
  background: rgba(255,255,255,.1);
}
.leader-avatar-placeholder {
  width: 90px;
  height: 90px;
  border-radius: 50%;
  border: 4px solid rgba(255,255,255,.3);
  margin: 0 auto 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  font-weight: 700;
  background: rgba(255,255,255,.15);
  color: #fff;
}
.leader-card-top h3 { color: #fff; font-size: 1.1rem; font-weight: 700; margin-bottom: 4px; }
.leader-card-top .role-tag {
  display: inline-block;
  background: rgba(255,130,0,.3);
  border: 1px solid rgba(255,130,0,.5);
  color: #ff8200;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 3px 12px;
  border-radius: 100px;
}
.leader-card-body { padding: 20px 24px 24px; }
.leader-contact { display: flex; flex-direction: column; gap: 8px; margin-bottom: 18px; }
.leader-contact a {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  font-size: .85rem;
  color: #555;
  text-decoration: none;
  transition: color .2s;
}
.leader-contact a:hover { color: #003366; }
.leader-card .city-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: #f0f4fb;
  border-radius: 100px;
  padding: 5px 14px;
  font-size: .8rem;
  font-weight: 600;
  color: #003366;
}
/* Agents grid */
.agents-section { padding: 0 0 90px; background: #f8faff; padding-top: 60px; }
.agents-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.agent-card {
  background: #fff;
  border-radius: 16px;
  padding: 24px 20px;
  box-shadow: 0 4px 20px rgba(0,51,102,.07);
  border: 1px solid rgba(0,51,102,.07);
  text-align: center;
  transition: transform .3s, box-shadow .3s;
}
.agent-card:hover { transform: translateY(-4px); box-shadow: 0 12px 40px rgba(0,51,102,.12); }
.agent-avatar {
  width: 70px;
  height: 70px;
  border-radius: 50%;
  border: 3px solid #e8f0fe;
  object-fit: cover;
  margin: 0 auto 12px;
  display: block;
}
.agent-avatar-placeholder {
  width: 70px;
  height: 70px;
  border-radius: 50%;
  background: linear-gradient(135deg,#003366,#4169e1);
  color: #fff;
  font-size: 1.4rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 12px;
}
.agent-card h4 { font-size: .97rem; font-weight: 700; color: #003366; margin-bottom: 4px; }
.agent-card .agent-role { font-size: .75rem; color: #999; margin-bottom: 10px; }
.agent-card .agent-city {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: .78rem;
  color: #666;
  background: #f5f7fa;
  padding: 3px 10px;
  border-radius: 100px;
  margin-bottom: 12px;
}
.agent-card .agent-under { font-size: .75rem; color: #999; }
.agent-card .agent-under strong { color: #4169e1; }

/* ── Contact Page ────────────────────────────────────────────── */
.contact-section {
  padding: 80px 0 90px;
}
.contact-grid {
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 50px;
}
.contact-info-panel {
  background: linear-gradient(135deg,#003366 0%,#0a4a8c 100%);
  border-radius: 24px;
  padding: 40px 32px;
  color: #fff;
}
.contact-info-panel h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  font-weight: 700;
  margin-bottom: 10px;
}
.contact-info-panel > p { color: rgba(255,255,255,.7); font-size: .93rem; margin-bottom: 36px; line-height: 1.7; }
.contact-items { display: flex; flex-direction: column; gap: 20px; margin-bottom: 36px; }
.contact-item { display: flex; align-items: flex-start; gap: 16px; }
.contact-item .ci-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: rgba(255,255,255,.12);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.contact-item .ci-label { font-size: .75rem; color: rgba(255,255,255,.55); text-transform: uppercase; letter-spacing: .08em; margin-bottom: 4px; }
.contact-item .ci-val { color: #fff; font-size: .95rem; font-weight: 600; }
.contact-item .ci-val a { color: #fff; text-decoration: none; }
.contact-social { display: flex; gap: 12px; }
.contact-social a {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.15);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  color: #fff;
  text-decoration: none;
  transition: background .2s;
}
.contact-social a:hover { background: rgba(255,130,0,.3); }
.contact-form-panel {
  background: #fff;
  border-radius: 24px;
  padding: 44px 40px;
  box-shadow: 0 4px 40px rgba(0,51,102,.08);
  border: 1px solid rgba(0,51,102,.07);
}
.contact-form-panel h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem;
  color: #003366;
  font-weight: 700;
  margin-bottom: 8px;
}
.contact-form-panel > p { color: #888; font-size: .93rem; margin-bottom: 30px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
/* Map */
.contact-map-section { padding: 0 0 90px; }
.map-wrap {
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 4px 30px rgba(0,51,102,.1);
  height: 400px;
  background: #e8f0fe;
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 12px;
  color: #4169e1;
}
.map-wrap .map-placeholder-icon { font-size: 3rem; }
.map-wrap p { font-size: 1rem; color: #666; }
.map-wrap a {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: #003366;
  color: #fff;
  padding: 10px 22px;
  border-radius: 100px;
  font-size: .9rem;
  font-weight: 600;
  text-decoration: none;
  transition: background .2s;
}
.map-wrap a:hover { background: #4169e1; }

/* ── Join Agent Page ─────────────────────────────────────────── */
.join-section {
  padding: 80px 0 90px;
}
.join-grid {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 50px;
  align-items: start;
}
.join-benefits-panel { position: sticky; top: 90px; }
.join-benefits-panel h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  color: #003366;
  font-weight: 700;
  margin-bottom: 24px;
}
.benefit-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 16px 0;
  border-bottom: 1px solid #f0f0f0;
}
.benefit-item:last-child { border-bottom: none; }
.benefit-item .bi-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: linear-gradient(135deg,#003366,#4169e1);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.benefit-item h4 { font-size: .95rem; font-weight: 700; color: #003366; margin-bottom: 4px; }
.benefit-item p { font-size: .85rem; color: #777; line-height: 1.6; }
.join-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-top: 28px;
}
.join-stat {
  background: linear-gradient(135deg,#f8faff,#eef2fb);
  border-radius: 14px;
  padding: 18px 16px;
  text-align: center;
  border: 1px solid rgba(65,105,225,.12);
}
.join-stat .js-num { font-size: 1.6rem; font-weight: 800; color: #003366; display: block; line-height: 1; }
.join-stat .js-label { font-size: .75rem; color: #888; margin-top: 4px; }
.join-form-panel {
  background: #fff;
  border-radius: 24px;
  padding: 40px 36px;
  box-shadow: 0 4px 40px rgba(0,51,102,.08);
  border: 1px solid rgba(0,51,102,.07);
}
.join-form-panel h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  color: #003366;
  font-weight: 700;
  margin-bottom: 6px;
}
.join-form-panel > p { color: #888; font-size: .9rem; margin-bottom: 28px; }
.form-section-title {
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: #4169e1;
  margin: 22px 0 14px;
  padding-bottom: 8px;
  border-bottom: 2px solid #f0f4fb;
}
.radio-group { display: flex; flex-wrap: wrap; gap: 10px; }
.radio-pill {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 7px 16px;
  border-radius: 100px;
  border: 2px solid #dde4f0;
  font-size: .85rem;
  font-weight: 600;
  color: #555;
  cursor: pointer;
  transition: all .2s;
}
.radio-pill input[type="radio"] { display: none; }
.radio-pill.selected,
.radio-pill:has(input:checked) {
  border-color: #003366;
  background: #003366;
  color: #fff;
}
.success-message {
  display: none;
  text-align: center;
  padding: 40px 20px;
}
.success-message .sm-icon { font-size: 3.5rem; margin-bottom: 16px; }
.success-message h3 { font-family: 'Playfair Display', serif; font-size: 1.5rem; color: #003366; font-weight: 700; margin-bottom: 10px; }
.success-message p { color: #666; font-size: .95rem; line-height: 1.7; }

/* ── Responsive ─────────────────────────────────────────────── */
@media (max-width: 1100px) {
  .about-intro-grid { gap: 50px; }
  .product-detail-grid { grid-template-columns: 1fr 340px; }
  .agents-grid { grid-template-columns: repeat(3, 1fr); }
  .leaders-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 900px) {
  .about-intro-grid,
  .product-detail-grid,
  .contact-grid,
  .join-grid { grid-template-columns: 1fr; gap: 36px; }
  .about-img-badge { left: 10px; }
  .about-img-badge2 { right: 10px; }
  .about-highlights { grid-template-columns: 1fr 1fr; }
  .mission-grid { grid-template-columns: 1fr 1fr; }
  .credentials-grid { grid-template-columns: 1fr 1fr; }
  .insurance-grid { grid-template-columns: 1fr 1fr; }
  .leaders-grid { grid-template-columns: 1fr 1fr; }
  .agents-grid { grid-template-columns: 1fr 1fr; }
  .timeline::before { left: 30px; }
  .timeline-item { grid-template-columns: 60px 1fr; gap: 16px; }
  .timeline-item.left .tl-content,
  .timeline-item.right .tl-content { grid-column: 2; text-align: left; }
  .timeline-dot { grid-column: 1; }
  .product-sidebar { position: static; }
  .contact-info-panel { order: 2; }
  .contact-form-panel { order: 1; }
  .join-benefits-panel { position: static; }
  .form-row { grid-template-columns: 1fr; gap: 0; }
  .docs-grid { grid-template-columns: 1fr; }
}

@media (max-width: 640px) {
  .about-intro-grid { gap: 28px; }
  .about-img-wrap img { height: 320px; }
  .about-highlights { grid-template-columns: 1fr; }
  .mission-grid { grid-template-columns: 1fr; }
  .credentials-grid { grid-template-columns: 1fr 1fr; }
  .insurance-grid { grid-template-columns: 1fr; }
  .leaders-grid { grid-template-columns: 1fr; }
  .agents-grid { grid-template-columns: 1fr 1fr; }
  .contact-form-panel { padding: 28px 20px; }
  .join-form-panel { padding: 28px 20px; }
  .join-stats { grid-template-columns: 1fr 1fr; }
  .page-hero { padding: 100px 0 60px; }
  .product-tabs { flex-direction: column; }
}

@media (max-width: 400px) {
  .agents-grid { grid-template-columns: 1fr; }
}