/* ============================================
   INDEX PAGE - Home Specific Styles
   ============================================ */

/* Hero */
.hero {
  position: relative;
  min-height: 120vh;
  display: flex;
  align-items: center;
  padding: calc(0px + var(--space-3xl)) var(--space-xl) 8rem;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background-image: url('../images/accident.webp');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  filter: blur(8px);
  transform: scale(1.1);
  opacity: 1;
  z-index: 0;
}

.hero-bg::before {
  content: '';
  position: absolute;
  inset: 0;
  background: 
    linear-gradient(
        135deg,
        rgba(18, 18, 18, 0.85) 0%,
        rgba(39, 39, 42, 0.7) 50%,
        rgba(82, 82, 91, 0.2) 100%
    ),
    radial-gradient(
        ellipse 80% 50% at 50% -20%,
        rgba(82, 82, 91, 0.25),
        transparent
    ),
    radial-gradient(
        ellipse 60% 40% at 100% 50%,
        rgba(82, 82, 91, 0.18),
        transparent
    );
  pointer-events: none;
} 

.hero-inner {
  position: relative;
  z-index: 1;
  width: 100%;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-2xl);
  align-items: stretch;
}

.hero-content {
  text-align: left;
  max-width: 540px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}


.hero-label {
  display: inline-block;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--color-primary-light);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: var(--space-md);
  padding: var(--space-xs) var(--space-md);
  background: linear-gradient(90deg, #f97416b7, #ea5a0cae);
  border-radius: var(--radius-full);
  width: fit-content;
}

.hero-title {
  font-size: clamp(2.5rem, 3.5vw, 3rem);
  font-weight: 800;
  color: var(--color-primary-light);
  line-height: 1.1;
  letter-spacing: -0.03em;
  margin-bottom: var(--space-lg);
}

.hero-highlight {
  background: linear-gradient(90deg, var(--color-accent), var(--color-accent-hover));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-desc {
  font-size: 1.125rem;
  color: var(--color-primary-light);
  line-height: 1.75;
  margin-bottom: var(--space-xl);
}

.hero-form .form-group {
  position: relative;
  margin-bottom: var(--space-lg);
  margin-top: 0;
  transition: margin-top 0.25s ease;
}

.hero-form .form-group {
  transition: margin-top 0.25s ease;
}

.hero-form:focus-within .form-group {
  margin-top: 25px;
}

.hero-form:has(input:valid) .form-group {
  margin-top: 25px;
}

.hero-form-label {
  position: absolute;
  top: 50%;
  left: 12px;
  transform: translateY(-50%);
  font-weight: 400;
  color: var(--color-text-muted);
  font-size: 0.9rem;
  pointer-events: none;
  transition: all 0.25s ease;
  padding: 0 4px;
}

.hero-form .form-group:focus-within .hero-form-label {
  top: -27px;
  transform: translateY(0);
  left: 0px;
  font-weight: 600;
  color: var(--color-primary-light);
}


.hero-form .form-group input:valid + .hero-form-label {
  top: -27px;
  transform: translateY(0);
  left: 0px;
  font-weight: 600;
  color: var(--color-primary-light);
}

.hero-buttons {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-md);
  justify-content: flex-start;
  align-items: center;
}

.hero-cta-wrap {
  position: relative;
  display: inline-block;
}

.hero-panel {
  background: var(--color-primary);
  border-radius: var(--radius-xl);
  border: 1px solid rgba(255, 255, 255, 0.2);
  padding: var(--space-lg);
  min-height: auto;
  display: flex;
  flex-direction: column;
  gap: var(--space-md);
  align-self: start;
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.2);
  contain: layout style paint;
}

.hero-panel-title {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-primary-light);
  margin: 0;
  letter-spacing: -0.01em;
}

.hero-panel-intro {
  font-size: 0.9375rem;
  color: var(--color-primary-light);
  line-height: 1.4;
  margin: 0;
}

.hero-benefits {
  list-style: none;
  margin: 0;
  padding: 0;
}

.hero-benefits li {
  display: flex;
  align-items: flex-start;
  gap: var(--space-sm);
  padding: var(--space-sm) 0;
  border-bottom: 1px solid var(--color-primary-light);
  line-height: 1.3;
}

.hero-benefits li:last-of-type {
  border-bottom: none;
}

.hero-benefits li::before {
  content: '✓';
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 20px;
  height: 20px;
  background: var(--color-primary-light);
  border-radius: var(--radius-full);
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--color-primary-light);
  margin-top: 1px;
}

.hero-benefit-title {
  display: block;
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-primary-light);
  margin-bottom: 1px;
}

.hero-benefit-desc {
  display: block;
  font-size: 0.75rem;
  color: var(--color-primary-light);
  line-height: 1.3;
}

.hero-panel-trust {
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--color-primary-light);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin: 0;
}

.hero-stats {
  display: flex;
  align-items: center;
  justify-content: space-evenly;
  flex-wrap: wrap;
  gap: var(--space-md);
  padding-top: var(--space-md);
  margin-top: 0;
  border-top: 1px solid rgba(255, 255, 255, 0.2);
}

.hero-stat {
  text-align: left;
}

.hero-stat-num {
  display: block;
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--color-primary-light);
  line-height: 1.2;
}

.hero-stat-label {
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--color-primary-light);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.hero-stat-divider {
  width: 1px;
  height: 28px;
  background: var(--color-primary-light);
}

.hero-panel-cta {
  display: flex;
  flex-direction: column;
  gap: 1px;
  padding: var(--space-sm) var(--space-md);
  background: var(--color-primary-light);
  border-radius: var(--radius-md);
  border: 1px solid rgba(255, 255, 255, 0.2);
  margin-top: 0;
  transition: background var(--transition-fast), border-color var(--transition-fast);
  text-decoration: none;
}

.hero-panel-cta:hover {
  background: var(--color-primary-light);
  border-color: var(--color-primary-light);
}

.hero-panel-cta-label {
  font-size: 0.6875rem;
  font-weight: 500;
  color: var(--color-primary-light);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

@media (max-width: 992px) {
  .hero-inner {
    grid-template-columns: 1fr;
    gap: var(--space-xl);
  }
  
  .hero-content {
    max-width: 100%;
    text-align: center;
  }
  
  .hero-buttons {
    justify-content: center;
  }
  
  .hero-panel {
    order: 2;
  }
}

@media (max-width: 768px) {
  .hero {
    padding-top: 7rem;
    padding-bottom: 4rem;
  }

  .hero-content .hero-label {
    display: block;
    margin-left: auto;
    margin-right: auto;
    text-align: center;
  }
}

@media (max-width: 640px) {
  .hero-panel {
    padding: var(--space-xl);
  }

  .hero-stats {
    padding-top: var(--space-lg);
    margin-top: var(--space-lg);
    justify-content: center;
    gap: var(--space-lg);
  }
  
  .hero-stat-divider {
    display: none;
  }
  
  .hero-stat {
    text-align: center;
  }
  
  .hero-stat-num {
    font-size: 1.5rem;
  }
}

/* Small devices: phones */
@media (max-width: 480px) {
  .hero {
    min-height: 100vh;
    padding: 7rem 1rem 3rem;
  }

  .hero-inner {
    grid-template-columns: 1fr;
    gap: var(--space-lg);
  }

  .hero-content {
    max-width: 100%;
    text-align: center;
    padding: 0 var(--space-sm);
  }

  .hero-title {
    font-size: clamp(2rem, 6vw, 2.5rem);
    line-height: 1.2;
  }

  .hero-desc {
    font-size: 1rem;
    line-height: 1.6;
  }

  .hero-buttons {
    justify-content: center;
    gap: var(--space-sm);
    flex-direction: column;
  }

  .hero-panel {
    width: 100%;
    padding: var(--space-lg);
    margin-top: var(--space-md);
    text-align: center;
  }

  .hero-stats {
    flex-direction: column;
    gap: var(--space-md);
    padding-top: var(--space-md);
    margin-top: var(--space-md);
    padding-bottom: var(--space-3xl);
  }

  .hero-stat-num {
    font-size: 1.25rem;
  }

  .hero-label {
    margin: 0 auto 0.5rem auto;
  }
}

/* Claims Types Section */
.claims-types-section {
  background: var(--color-primary);
  padding: var(--space-3xl) var(--space-xl);
}

.claims-types-title {
  font-size: clamp(1.5rem, 2.5vw, 1.875rem);
  font-weight: 800;
  color: var(--color-primary-light);
  text-align: center;
  margin: 0 0 var(--space-2xl) 0;
  letter-spacing: 0.07rem;
  line-height: 1.2;
}

.claims-types-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-xl) var(--space-2xl);
  max-width: auto;
  margin: 0 auto;
}

.claims-type-item {
  display: flex;
  align-items: center;
  gap: var(--space-lg);
}

.claims-type-icon {
  width: 110px;
  height: 110px;
  min-width: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
}

/* Smooth transitions */
.claims-type-icon img {
  width: 80px;
  height: 80px;
  object-fit: contain;
  filter: brightness(0) invert(1);
  transition: 
    filter 0.3s ease,
    transform 0.35s cubic-bezier(0.34, 1.56, 0.64, 1),
    background 0.35s ease,
    border-color 0.35s ease;
}

.claims-type-label {
  font-size: 1.2rem;
  font-weight: 600;
  color: var(--color-primary-light);
  line-height: 1.3;
  transition: color 0.3s ease;
}

/* Hover on the whole item (icon OR label triggers both) */
.claims-type-item:hover .claims-type-icon img {
  transform: scale(1.08) rotate(6deg);
  filter: brightness(0) saturate(100%) invert(57%) sepia(92%) saturate(2140%) hue-rotate(351deg) brightness(101%) contrast(97%);
}

.claims-type-item:hover .claims-type-label {
  transform: scale(1.08);
  color: var(--color-accent);
}

@media (max-width: 768px) {
  .claims-types-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 480px) {
  .claims-types-grid {
    grid-template-columns: 1fr;
  }
}


/* ======================================================
   Claim Form Section
====================================================== */

.claim-section {
  position: relative;
  background: linear-gradient(180deg, var(--color-primary) 0%, var(--color-primary) 100%);
  overflow: hidden;
}

/* ======================================================
   Layout
====================================================== */

.claim-section-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3xl);
  align-items: center;
  max-width: 1200px;
  margin: 0 auto;
}

.claim-section-image-wrap {
  position: relative;
  width: 100%;
  max-width: 420px;
  aspect-ratio: 1;
  border-radius: 50%;
  overflow: hidden;
  justify-self: center;
}

.claim-section-image {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.claim-section-content {
  min-width: 0;
}

/* ======================================================
   Intro Text
====================================================== */

.claim-intro {
  text-align: left;
  margin-bottom: var(--space-2xl);
}

.claim-intro .section-desc {
  text-align: justify;
  line-height: 1.65;
  hyphens: auto;
}

/* ======================================================
   Progress Bar (3 Steps)
====================================================== */

.claim-progress {
  display: flex;
  justify-content: space-between;
  align-items: center;
  position: relative;
  margin-bottom: 32px;
}

.claim-progress::before {
  content: "";
  position: absolute;
  top: 20px;
  left: 0;
  width: 100%;
  height: 4px;
  background: #e2e8f0;
}

.progress-bar {
  position: absolute;
  top: 20px;
  left: 0;
  height: 4px;
  width: 0%;
  background: linear-gradient(90deg, var(--color-accent), var(--color-accent-hover));
  transition: width 0.4s ease;
}

.progress-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  font-size: 0.85rem;
  color: var(--color-text);
  z-index: 2;
}

.step-circle {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--color-accent-hover);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 600;
  margin-bottom: 6px;
  transition: 0.3s;
}

.progress-step.active .step-circle {
  background: var(--color-accent);
  color: white;
}

.progress-step.active span {
  color: var(--color-primary-light);
  font-weight: 600;
}

/* ======================================================
   Claim Form Card
====================================================== */

.claim-form {
  background: var(--color-primary);
  padding: var(--space-2xl);
  border-radius: 18px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  transition: transform 0.25s ease;
}

.claim-form:hover {
  transform: translateY(-3px);
}

/* ======================================================
   Labels
====================================================== */

.claim-form .form-label {
  display: block;
  font-weight: 600;
  color: var(--color-primary-light);
  margin-bottom: 6px;
  font-size: 0.9rem;
}

/* ======================================================
   Inputs
====================================================== */

.claim-form .form-input,
.claim-form .form-select {

  width: 100%;
  padding: 12px 14px;
  border-radius: 10px;
  border: 2px solid var(--color-primary-light);
  color: var(--color-primary);
  background: var(--color-primary-light);
  font-size: 0.95rem;
  transition: all 0.25s ease;
  box-sizing: border-box;
}

/* Focus */

.claim-form .form-input:focus,
.claim-form .form-select:focus {

  outline: none;
  border-color: var(--color-accent);
  background: var(--color-primary-light);
  color: var(--color-primary);
}

/* INVALID STATE (always overrides everything) */
.form-input.invalid,
.form-select.invalid {
  border-color: #ef4444 !important;
  background: var(--color-primary-light) !important;
  color: var(--color-primary);
}

/* VALID STATE */
.form-input.valid:not(.invalid),
.form-select.valid:not(.invalid) {
  border-color: #22c55e !important;
  background: var(--color-primary-light) !important;
  color: var(--color-primary);
}

/* Remove browser pseudo conflicts */
.claim-form .form-input:valid,
.claim-form .form-select:valid {
  border-color: inherit;
  background: inherit;
}

/* ======================================================
   Form Layout
====================================================== */

.claim-form .form-group {
  text-align: left;
}

.claim-form .form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-lg);
  align-items: end;
}

/* ======================================================
   Checkbox
====================================================== */

.claim-form .form-checkbox {
  display: flex;
  align-items: flex-start;
  gap: var(--space-md);
  text-align: justify;
}

.claim-form .form-checkbox input {
  accent-color: var(--color-accent);
  transform: scale(1.15);
  margin-top: 4px;
}

.claim-form .form-checkbox label {
  color: var(--color-primary-light);
  line-height: 1.6;
  flex: 1;
}

.claim-form .form-checkbox a {
  color: var(--color-accent);
}

.claim-form .form-checkbox a:hover {
  color: var(--color-accent-hover);
}

/* ======================================================
   Form Messages
====================================================== */

.claim-form-message {
  margin-top: var(--space-md);
  padding: var(--space-md);
  border-radius: var(--radius-md);
  font-size: 0.9375rem;
  line-height: 1.4;
}

.claim-form-message--success {
  background: #d4edda;
  color: #155724;
  border: 1px solid #c3e6cb;
}

.claim-form-message--error {
  background: #f8d7da;
  color: #721c24;
  border: 1px solid #f5c6cb;
}

/* ======================================================
   Submit Button
====================================================== */

.claim-submit-btn {
  width: 100%;
  padding: 14px;
  border-radius: 10px;
  font-weight: 600;
  background: var(--color-accent);
  color: white;
  border: none;
  cursor: pointer;
  transition: all 0.25s ease;
}

.claim-submit-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 14px rgba(14,165,233,0.3);
}

/* Disabled button */

#claim-submit-btn.claim-submit-btn[disabled],
#claim-submit-btn.claim-submit-btn:disabled {

  opacity: 0.5;
  cursor: not-allowed;
  pointer-events: none;
  transform: none;
  background: #94a3b8;
  color: #cbd5e1;
}

/* ======================================================
   Form Step Animation
====================================================== */

.form-step {
  display: none;
  animation: fadeStep 0.4s ease;
}

.form-step.active {
  display: block;
}

@keyframes fadeStep {
  from {opacity:0; transform:translateX(10px);}
  to {opacity:1; transform:translateX(0);}
}

/* ======================================================
   Responsive
====================================================== */

@media (max-width: 900px) {

  .claim-section-layout {
    grid-template-columns: 1fr;
    gap: var(--space-2xl);
  }

  .claim-section-image-wrap {
    max-width: 320px;
  }

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

  .claim-form .form-row {
    grid-template-columns: 1fr;
  }
}

/* Safety grid */

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-lg);
}

/* RED INVALID BORDER */
.form-input.invalid,
.form-select.invalid{
  border-color:#ef4444 !important;
  background:#fff5f5;
}

/* GREEN VALID BORDER */
.form-input.valid,
.form-select.valid{
  border-color:#22c55e !important;
  background:#f0fdf4;
}

/* Tooltip popup */

.field-error-popup{
  position:absolute;
  background:#ef4444;
  color:white;
  font-size:12px;
  padding:6px 8px;
  border-radius:6px;
  margin-top:4px;
  z-index:10;
  box-shadow:0 4px 10px rgba(0,0,0,0.15);
}

.form-group{
  position:relative;
}

.phone-checking {
  font-size: 0.85rem;
  color: #999;
  margin-left: 8px;
}

/* Overlap Cards Section - half on hero, half on white */
.overlap-cards-section {
  margin-top: -120px;
  position: relative;
  z-index: 10; 
  overflow: hidden; 
}

.overlap-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-2xl);
  max-width: 11000px;
  margin: 0 auto;
}

.overlap-card {
  background: var(--color-accent);
  padding: 2rem 1.5rem 0.5rem 1.5rem;
  border-radius: 20px 20px 20px 20px;
  text-align: center;
  box-shadow: 0 2px 2px rgba(15, 23, 42, 0.06), 0 2px 2px rgba(0, 0, 0, 0.04);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-lg);
  min-height: 300px;
  border: 1px solid rgba(0, 0, 0, 0.04);
}

.overlap-card-title {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--color-primary);
  line-height: 1.3;
  margin: 0;
} 

.overlap-card-title span {
  color: var(--color-primary-light);
  display: block;
}

.overlap-card-desc {
  font-size: 1.1rem;
  color: var(--color-primary);
  line-height: 1.55;
  margin: 0;
}

/* Read more card - description specific styles */
.overlap-card-desc--readmore {
  padding-top: 0.5rem;
}

/* Law Society Accredited badge - image */
.overlap-card-badge.overlap-card-accredited {
  width: 90px;
  height: 90px;
  object-fit: contain;
  flex-shrink: 0;
  display: block;
  margin-top: -0.5rem;
}

/* Read more button */
.overlap-card-btn {
  display: inline-block;
  padding: 1rem 2.5rem;
  background: #bdbdbd;
  margin-top: 1.5rem;
  color: white;
  font-size: 1.125rem;
  font-weight: 600;
  text-decoration: none;
  border-radius: var(--radius-lg);
  transition: background var(--transition-fast), border-color var(--transition-fast);
}

.overlap-card-btn:hover {
  background: #0ea5e9;
  border-color: #999;
}

/* Success rate badge - pink circular */
.overlap-card-badge.overlap-card-success {
  width: 90px;
  height: 90px;
  border-radius: 50%;
  background: linear-gradient(145deg, #ec4899 0%, #db2777 50%, #be185d 100%);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  border: 3px solid rgba(255, 255, 255, 0.5);
}

.overlap-card-success .success-top {
  font-size: 0.5rem;
  font-weight: 800;
  color: rgba(255, 255, 255, 0.95);
  text-transform: uppercase;
  letter-spacing: 0.15em;
  margin-bottom: 0.15rem;
}

.overlap-card-success .success-rate {
  font-size: 1.5rem;
  font-weight: 900;
  color: white;
  line-height: 1;
  letter-spacing: -0.02em;
  text-shadow: 0 1px 2px rgba(0, 0, 0, 0.2);
}

.overlap-card-success .success-bottom {
  font-size: 0.5rem;
  font-weight: 800;
  color: rgba(255, 255, 255, 0.95);
  text-transform: uppercase;
  letter-spacing: 0.15em;
  margin-top: 0.15rem;
}

@media (max-width: 900px) {
  .overlap-cards-grid {
    grid-template-columns: 1fr;
  }

  .overlap-cards-section {
    margin-top: -100px;
    background: var(--color-primary)
  }
}

/* How it Works Section */
.how-it-works-section {
  position: relative;
  padding: var(--space-3xl) var(--space-xl);
  overflow: hidden;
}

.how-it-works-section::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: 0;
  background: var(--color-primary);
  background-size: 300% 300%;
  pointer-events: none;
}

.how-it-works-section .container {
  position: relative;
  z-index: 1;
}

.how-it-works-header {
  text-align: center;
  margin-bottom: var(--space-2xl);
}

.how-it-works-header .section-label {
  color: var(--color-accent);
  font-weight: 700;
  font-size: 0.8125rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  background: transparent;
  border: none;
  padding: 0;
  margin-bottom: var(--space-md);
}

.how-it-works-header .section-title {
  color: var(--color-primary-light);
  margin-bottom: var(--space-md);
}

.how-it-works-header .section-desc {
  color: var(--color-text);
  margin: 0 0 var(--space-md);
}

.how-it-works-steps {
  display: flex;
  flex-direction: column;
  gap: var(--space-xl);
  max-width: 720px;
  margin: 0 auto;
}

.how-it-works-step {
  display: flex;
  align-items: flex-start;
  gap: var(--space-xl);
  text-align: left;
  transition: transform 0.25s ease;
}

.how-it-works-step:hover {
  transform: translateX(4px);
}

.how-it-works-step-icon {
  flex-shrink: 0;
  width: 116px;
  height: 116px;
  border-radius: 50%;
  color: var(--color-accent);
  display: flex;
  align-items: center;
  justify-content: center;
  border: 2px solid var(--color-accent);
  transform-origin: center center;
  transition: transform 0.35s cubic-bezier(0.34, 1.56, 0.64, 1), background 0.35s ease, border-color 0.35s ease;
}

.how-it-works-step:hover .how-it-works-step-icon {
  transform: scale(1.08) rotate(6deg);
  background: var(--color-primary);
  border-color: var(--color-primary);
}

.how-it-works-step-icon svg,
.how-it-works-step-icon img,
.how-it-works-step-icon-img {
  width: 74px;
  height: 74px;
  object-fit: contain;
  display: block;
}

.how-it-works-step-card {
  flex: 1;
  background: var(--color-primary);
  padding: var(--space-lg) var(--space-xl);
  border-radius: 12px;
  box-shadow: 0 2px 8px rgba(15, 23, 42, 0.06), 0 4px 16px rgba(15, 23, 42, 0.04);
  border: 1px solid var(--color-accent);
  transform-origin: center center;
  transition: transform 0.35s ease, box-shadow 0.35s ease, border-color 0.35s ease;
}

.how-it-works-step:hover .how-it-works-step-card {
  transform: scale(1.02);
  box-shadow: 0 8px 24px rgba(15, 46, 92, 0.1), 0 4px 12px rgba(15, 23, 42, 0.06);
  border-color: rgba(15, 46, 92, 0.2);
}

.how-it-works-step-title {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--color-primary-light);
  margin: 0 0 var(--space-sm) 0;
  line-height: 1.35;
  transition: color 0.3s ease;
}

.how-it-works-step:hover .how-it-works-step-title {
  color: var(--color-accent);
}

.how-it-works-step-desc {
  font-size: 0.9375rem;
  color: var(--color-text);
  line-height: 1.65;
  margin: 0;
  transition: color 0.3s ease;
}

.how-it-works-step:hover .how-it-works-step-desc {
  color: var(--color-primary-light);
}

@media (max-width: 640px) {
  .how-it-works-step {
    flex-direction: column;
    align-items: center;
    text-align: center;
  }

  .how-it-works-step-card {
    text-align: left;
  }
}

@media (max-width: 640px) {
  .form-row {
    grid-template-columns: 1fr;
  }
}

.btn-full {
  width: 100%;
  margin-top: var(--space-md);
  padding: var(--space-lg);
}

/* Features */
.features-section {
  background: linear-gradient(180deg, var(--color-primary) 0%, var(--color-primary) 100%);
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: var(--space-2xl);
}

.feature-card {
  position: relative;
  background: var(--color-primary);
  padding: 2rem 1.75rem;
  border-radius: 20px;
  box-shadow: 0 8px 8px rgba(15, 23, 42, 0.1);
  border: 1px solid var(--color-accent);
  transition: transform var(--transition-base), box-shadow var(--transition-base);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  text-align: left;
  overflow: hidden;
}

.feature-card::before,
.feature-card::after {
  content: '';
  position: absolute;
  width: 100%;
  height: 100%;
  top: 0;
  left: 0;
  background: rgba(233, 120, 14, 0.058);
  z-index: 0;
  transition: transform 0.5s ease;
  pointer-events: none;
}

.feature-card::before {
  clip-path: polygon(0 0, 100% 0, 0 100%);
  transform-origin: top;
  transform: scale(0);
}

.feature-card::after {
  clip-path: polygon(100% 100%, 0 100%, 100% 0);
  transform-origin: bottom;
  transform: scale(0);
}

.feature-card:hover::before,
.feature-card:hover::after {
  transform: scale(1);
}

.feature-card .feature-icon,
.feature-card h3,
.feature-card p {
  position: relative;
  z-index: 1;
}

.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 10px 8px rgba(15, 23, 42, 0.08);
}

.feature-icon {
  width: 46px;
  height: 46px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-accent);
  border-radius: 16px;
  margin-bottom: 1.25rem;
  flex-shrink: 0;
  transition: transform 0.3s ease, background 0.3s ease, box-shadow 0.3s ease;
}

.feature-card:hover .feature-icon {
  background: transparent;
  border-color: transparent;
  color: var(--color-primary-light);
  scale: 1.2;
  transition: scale 0.5s ease-in-out;
}

.feature-card:hover h3 {
  color: var(--color-accent);
}

.feature-card:hover p {
  color: var(--color-primary-light);
}

.feature-icon svg {
  width: 38px;
  height: 38px;
}

.feature-card h3 {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--color-primary-light);
  margin: 0 0 0.5rem 0;
  line-height: 1.3;
}

.feature-card p {
  font-size: 0.9375rem;
  color: var(--color-text);
  line-height: 1.65;
  margin: 0;
}

/* ============================================
   Modern Gradient Glow Background
   ============================================ */

   .claim-section-background {
    position: absolute;
    inset: 0;
    pointer-events: none;
    z-index: 0;
    overflow: hidden;
  }
  
  /* Glow shapes */
  
  .claim-glow {
    position: absolute;
    border-radius: 50%;
    filter: blur(80px);
    opacity: 0.45;
    background: radial-gradient(
      circle,
      var(--color-accent) 0%,
      transparent 70%
    );
  }
  
  /* Positions */
  
  .claim-glow--1 {
    width: 320px;
    height: 320px;
    top: 20%;
    left: -120px;
  }
  
  .claim-glow--2 {
    width: 320px;
    height: 320px;
    top: 30%;
    right: -80px;
  }
  
  .claim-glow--3 {
    width: 160px;
    height: 160px;
    bottom: -150px;
    left: 30%;
  }
  
  .claim-glow--4 {
    width: 260px;
    height: 260px;
    top: 15%;
    left: 55%;
    opacity: 0.3;
  }
  
  .claim-glow--5 {
    width: 320px;
    height: 260px;
    top: 20%;
    left: -120px;
  }
  
  .claim-glow--6 {
    width: 320px;
    height: 320px;
    top: 230px;
    right: -80px;
  }
  
  .claim-glow--7 {
    width: 160px;
    height: 160px;
    bottom: 65%;
    left: 30%;
  }
  
  .claim-glow--8 {
    width: 160px;
    height: 120px;
    top: 55%;
    left: 55%;
    opacity: 0.3;
  }

  .claim-glow--9 {
    width: 220px;
    height: 220px;
    top: 15%;
    left: 300px;
  }
  
  .claim-glow--10 {
    width: 320px;
    height: 320px;
    top: -230px;
    right: -80px;
  }
  
  .claim-glow--11 {
    width: 260px;
    height: 100px;
    bottom: 20%;
    left: 0%;
  }
  
  .claim-glow--12 {
    width: 260px;
    height: 260px;
    top: 35%;
    left: 55%;
    opacity: 0.3;
  }
  /* Keep content above background */
  
  .claim-section .container {
    position: relative;
    z-index: 1;
  }

/* FAQ */
.faq-section {
  background: linear-gradient(180deg, var(--color-primary), #ea5a0c12, #ea5a0c28, #ea5a0c66, #ea5a0c8a, #ea5a0cbc, var(--color-accent-hover));
}
.faq-list {
  max-width: 720px;
  margin: 0 auto;
}

.faq-item {
  background: var(--color-primary);
  border-radius: var(--radius-lg);
  margin-bottom: var(--space-md);
  border: 1px solid rgba(255, 255, 255, 0.2);
  overflow: hidden;
  transition: box-shadow 0.25s ease, border-color 0.25s ease;
}

.faq-item:hover {
  box-shadow: var(--shadow-md);
}

.faq-item[open] {
  border-color:var(--color-accent)
}

.faq-item summary {
  padding: var(--space-lg) var(--space-xl);
  font-weight: 600;
  font-size: 1.0625rem;
  color: var(--color-primary-light);
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  transition: color 0.25s ease;
}

.faq-item[open] summary{
  color: var(--color-accent);
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary::after {
  content: '+';
  font-size: 1.5rem;
  font-weight: 400;
  color: var(--color-primary-light);
  transition: transform 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

.faq-item[open] summary::after {
  color: var(--color-accent);
  transform: rotate(45deg);
}

.faq-item[open] summary {
  background: var(--color-primary);
}

.faq-item p {
  padding: 0 var(--space-xl) var(--space-xl);
  padding-top: 0.25rem;
  color: var(--color-primary-light);
  line-height: 1.75;
  max-width: 95ch;
  animation: faq-answer-in 0.35s ease-out;
}

@keyframes faq-answer-in {
  from {
    opacity: 0;
    transform: translateY(-6px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* CTA Section */

.cta-wrapper {
  background: linear-gradient(180deg, var(--color-accent-hover), var(--color-accent));
  padding: 60px 0;
}

.cta-section {
  position: relative;
  max-width: 1300px;
  margin: var(--space-2xl) auto;
  padding: var(--space-2xl) var(--space-xl);
  background: var(--color-primary);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: 0 8px 32px rgba(15, 23, 42, 0.2);
}

.cta-content {
  position: relative;
  z-index: 1;
}

.cta-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: var(--space-2xl);
  align-items: center;
}

.cta-text {
  text-align: left;
}

.cta-label {
  display: inline-block;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--color-accent);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  margin-bottom: var(--space-sm);
}

.cta-title {
  font-size: clamp(1.5rem, 3vw, 2.25rem);
  font-weight: 800;
  color: var(--color-primary-light);
  margin: 0 0 var(--space-md) 0;
  line-height: 1.2;
  letter-spacing: -0.02em;
}

.cta-desc {
  font-size: 1rem;
  color: var(--color-text);
  line-height: 1.6;
  margin: 0;
}

.cta-actions {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-xl);
}

.cta-contact-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-lg);
  width: 100%;
  max-width: 560px;
}

.cta-contact-card {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: var(--space-sm);
  padding: var(--space-xl) var(--space-lg);
  min-width: 250px;
  max-width: 280px;
  background: var(--color-primary);
  border: 1px solid var(--color-accent-hover);
  border-radius: var(--radius-xl);
  text-decoration: none;
  transition: background 0.25s ease, border-color 0.25s ease, transform 0.25s ease, box-shadow 0.25s ease;
}

.cta-contact-card:hover {
  background: var(--color-primary);
  border-color: var(--color-primary);
  transform: translateY(-2px);
}

.cta-contact-icon {
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--color-primary);
  border-radius: 50%;
  color: var(--color-accent);
  border: 1px solid var(--color-primary);
  flex-shrink: 0;
  transition: border-color 0.25s ease, transform 0.25s ease;
}

.cta-contact-card:hover .cta-contact-icon{
  border-color: var(--color-accent);
  transform: scale(1.15);
}

.cta-contact-icon svg {
  width: 24px;
  height: 24px;
  color: var(--color-accent-hover);
}

.cta-contact-label {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--color-primary-light);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  transition: color 0.25s ease, transform 0.25s ease;
}

.cta-contact-card:hover .cta-contact-label {
  color: var(--color-accent);
  transform: scale(1.1);
}

.cta-contact-value {
  font-size: 0.835rem;
  font-weight: 600;
  color: var(--color-text);
  text-align: center;
  word-break: break-word;
  line-height: 1.35;
  transition: color 0.25s ease;
}

.cta-contact-card:hover .cta-contact-value {
  color: var(--color-primary-light);
}

.cta-btn {
  background: linear-gradient(135deg, var(--color-secondary) 0%, var(--color-accent) 100%);
  color: white;
  padding: 1rem 2rem;
  font-size: 1.125rem;
  font-weight: 600;
  border-radius: var(--radius-lg);
  border: none;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.cta-btn:hover {
  transform: translateY(-4px);
  box-shadow: 0 4px 4px rgba(0, 0, 0, 0.2);
  color: white;
}

@media (max-width: 768px) {
  .cta-grid {
    grid-template-columns: 1fr;
    gap: var(--space-xl);
  }

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

  .cta-actions {
    align-items: center;
  }

  .cta-contact-cards {
    max-width: 100%;
    grid-template-columns: 1fr;
  }
}

@media (max-width: 480px) {
  .cta-contact-card {
    max-width: 100%;
    flex-direction: row;
    justify-content: flex-start;
    text-align: left;
    gap: var(--space-md);
  }

  .cta-contact-card .cta-contact-value {
    text-align: left;
  }
}

/* ============================================
   Scroll-triggered section animations
   ============================================ */
main > section:not(.hero) {
  opacity: 0;
  transform: translateY(32px);
  transition: opacity 0.6s ease-out, transform 0.6s ease-out;
}

main > section.hero {
  opacity: 1;
  transform: translateY(0);
  transition: opacity 0.6s ease-out, transform 0.6s ease-out;
}

main > section.is-visible {
  opacity: 1;
  transform: translateY(0);
}

/* Animate ONLY content inside sections */

.overlap-cards-section.is-visible .section-content .overlap-card,
.features-section.is-visible .section-content .feature-card,
.claims-types-section.is-visible .section-content .claims-type-item,
.how-it-works-section.is-visible .section-content .how-it-works-step,
.faq-section.is-visible .section-content .faq-item {
  animation: scroll-fade-up 0.6s ease-out forwards;
}

.overlap-cards-section .section-content .overlap-card { opacity: 0; }
.overlap-cards-section.is-visible .section-content .overlap-card:nth-child(1) { animation-delay: 0.1s; }
.overlap-cards-section.is-visible .section-content .overlap-card:nth-child(2) { animation-delay: 0.2s; }
.overlap-cards-section.is-visible .section-content .overlap-card:nth-child(3) { animation-delay: 0.3s; }

.features-section .section-content .feature-card { opacity: 0; }
.features-section.is-visible .section-content .feature-card:nth-child(1) { animation-delay: 0.05s; }
.features-section.is-visible .section-content .feature-card:nth-child(2) { animation-delay: 0.15s; }
.features-section.is-visible .section-content .feature-card:nth-child(3) { animation-delay: 0.25s; }
.features-section.is-visible .section-content .feature-card:nth-child(4) { animation-delay: 0.35s; }

.claims-types-section .section-content .claims-type-item { opacity: 0; }
.claims-types-section.is-visible .section-content .claims-type-item:nth-child(1) { animation-delay: 0.05s; }
.claims-types-section.is-visible .section-content .claims-type-item:nth-child(2) { animation-delay: 0.1s; }
.claims-types-section.is-visible .section-content .claims-type-item:nth-child(3) { animation-delay: 0.15s; }
.claims-types-section.is-visible .section-content .claims-type-item:nth-child(4) { animation-delay: 0.2s; }
.claims-types-section.is-visible .section-content .claims-type-item:nth-child(5) { animation-delay: 0.25s; }
.claims-types-section.is-visible .section-content .claims-type-item:nth-child(6) { animation-delay: 0.3s; }
.claims-types-section.is-visible .section-content .claims-type-item:nth-child(7) { animation-delay: 0.35s; }
.claims-types-section.is-visible .section-content .claims-type-item:nth-child(8) { animation-delay: 0.4s; }

.how-it-works-section .section-content .how-it-works-step { opacity: 0; }
.how-it-works-section.is-visible .section-content .how-it-works-step:nth-child(1) { animation-delay: 0.1s; }
.how-it-works-section.is-visible .section-content .how-it-works-step:nth-child(2) { animation-delay: 0.25s; }
.how-it-works-section.is-visible .section-content .how-it-works-step:nth-child(3) { animation-delay: 0.4s; }

.faq-section .section-content .faq-item { opacity: 0; }
.faq-section.is-visible .section-content .faq-item { animation-delay: 0.05s; }
.faq-section.is-visible .section-content .faq-item:nth-child(1) { animation-delay: 0.05s; }
.faq-section.is-visible .section-content .faq-item:nth-child(2) { animation-delay: 0.1s; }
.faq-section.is-visible .section-content .faq-item:nth-child(3) { animation-delay: 0.15s; }
.faq-section.is-visible .section-content .faq-item:nth-child(4) { animation-delay: 0.2s; }
.faq-section.is-visible .section-content .faq-item:nth-child(5) { animation-delay: 0.25s; }
.faq-section.is-visible .section-content .faq-item:nth-child(6) { animation-delay: 0.3s; }

@keyframes scroll-fade-up {
  from {
    opacity: 0;
    transform: translateY(24px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* Overlay */
.popup-overlay {
  display: none;
  position: fixed;
  z-index: 9999;
  left: 0;
  top: 0;
  width: 100%;
  height: 100%;
  overflow: auto;
  background-color: rgba(0,0,0,0.5);
  justify-content: center;
  align-items: center;
  animation: fadeIn 0.5s ease forwards;
}

/* Popup box */
.popup-content {
  background: rgba(255, 255, 255, 0.95);
  padding: 30px 40px;
  border-radius: 12px;
  text-align: center;
  max-width: 500px;
  margin: auto;
  box-shadow: 0 10px 30px rgba(0,0,0,0.3);
  font-family: Arial, sans-serif;
  transform: scale(0.8);
  opacity: 0;
  animation: scaleIn 0.5s ease forwards;
}

/* Stars */
.popup-stars {
  color: var(--color-secondary);
  font-size: 28px;
  margin-bottom: 15px;
}

/* Header */
.popup-header {
  font-weight: bold;
  font-size: 20px;
  margin-bottom: 5px;
}

/* Subheader */
.popup-subheader {
  font-size: 14px;
  color: var(--color-text);
  margin-bottom: 15px;
}

/* Dynamic State Header */
.popup-dynamic-header {
  font-size: 16px;
  font-weight: bold;
  background: linear-gradient(90deg, var(--color-accent), var(--color-secondary));
  color: transparent;
  background-clip: text;
  margin-bottom: 15px;
}

/* Message */
.popup-message {
  font-size: 14px;
  color: var(--color-text);
  margin-bottom: 10px;
  line-height: 1.5;
}

/* Reference */
.popup-ref {
  font-size: 13px;
  font-weight: bold;
  color: var(--color-text-muted);
  margin-bottom: 20px;
}

/* Button */
.popup-button {
  background: linear-gradient(135deg, var(--color-secondary) 0%, var(--color-accent) 100%);
  color: white;
  box-shadow: 0 2px 5px rgba(0,0,0,0.3);
  border: none;
  padding: 10px 25px;
  border-radius: 25px;
  font-size: 14px;
  cursor: pointer;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.3s ease;
}

.popup-button:hover {
  transform: translateY(-2px) scale(1.05);
  box-shadow: 0 4px 10px rgba(0,0,0,0.4);
}

.popup-button:active {
  transform: scale(0.98);
  box-shadow: 0 2px 5px rgba(0,0,0,0.3);
}

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

@keyframes scaleIn {
  from {transform: scale(0.8); opacity: 0;}
  to {transform: scale(1); opacity: 1;}
}

/* Responsive for mobile */
@media screen and (max-width: 600px) {
  .popup-content {
    width: 90%;
    padding: 20px;
  }

  .popup-stars {
    font-size: 24px;
  }

  .popup-header {
    font-size: 18px;
  }

  .popup-dynamic-header {
    font-size: 15px;
  }

  .popup-message, .popup-ref {
    font-size: 13px;
  }

  .popup-button {
    padding: 8px 20px;
    font-size: 13px;
  }
}