:root {
  --lic-blue: #003A8F;
  --lic-blue-dark: #11203e;
  --lic-blue-light: #1a5fba;
  --lic-yellow: #FFCC00;
  --lic-yellow-dark: #e6b800;
  --lic-gold: #d4a017;
  --white: #ffffff;
  --off-white: #f8f9fc;
  --gray-light: #f0f3f8;
  --gray: #8892a4;
  --gray-dark: #4a5568;
  --text-dark: #1a2340;
  --text-body: #3d4966;
  --shadow-sm: 0 2px 12px rgba(0,58,143,0.08);
  --shadow-md: 0 8px 32px rgba(0,58,143,0.12);
  --shadow-lg: 0 20px 60px rgba(0,58,143,0.16);
  --radius: 16px;
  --radius-sm: 10px;
  --radius-lg: 24px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { font-family: 'DM Sans', sans-serif; color: var(--text-body); background: var(--white); overflow-x: hidden; }
h1,h2,h3,h4 { font-family: 'Playfair Display', serif; color: var(--text-dark); }


/* ─── NAVBAR CLEAN + RESPONSIVE ─── */
.navbar {
  position: fixed;
  top: 0;
  width: 100%;
  z-index: 1000;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(0,58,143,0.08);
  box-shadow: 0 2px 20px rgba(0,58,143,0.07);
  overflow: visible;
}

/* CONTAINER */
.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 20px;
  position: relative;
  overflow: visible;
}

/* LOGO */
.logo {
  display: flex;
  align-items: center;
}

.logo-img {
  height: 46px;
  width: auto;
  object-fit: contain;
}

/* NAV LINKS */
.nav-links {
  display: flex;
  align-items: center;
  gap: 6px;
  list-style: none;
}

.nav-links a {
  text-decoration: none;
  color: var(--text-body);
  font-size: 14px;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: 8px;
  transition: all 0.2s;
  cursor: pointer;
}

.nav-links a:hover {
  background: var(--gray-light);
  color: var(--lic-blue);
}
/* HAMBURGER — animated 3-bar → X */
.hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  width: 40px;
  height: 40px;
  cursor: pointer;
  background: none;
  border: none;
  padding: 4px;
  border-radius: 8px;
  z-index: 10002;
  flex-shrink: 0;
}
.ham-bar {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--lic-blue);
  border-radius: 2px;
  transition: transform 0.3s ease, opacity 0.3s ease, width 0.3s ease;
  transform-origin: center;
}
.hamburger.open .bar1 { transform: translateY(7px) rotate(45deg); }
.hamburger.open .bar2 { opacity: 0; transform: scaleX(0); }
.hamburger.open .bar3 { transform: translateY(-7px) rotate(-45deg); }

/* BACKDROP OVERLAY */
.nav-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(10, 20, 50, 0.35);
  backdrop-filter: blur(3px);
  z-index: 9999;
  opacity: 0;
  transition: opacity 0.3s ease;
}
.nav-overlay.active {
  display: block;
  opacity: 1;
}

/* MOBILE MENU */
.mobile-menu {
  transition: all 0.3s ease;
}

/* ─── MOBILE NAVBAR FINAL FIX ─── */
@media (max-width: 768px) 
{

  /* Navbar spacing */
  .nav-inner {
    padding: 10px 16px;
  }

  /* Logo resize */
  .logo-img {
    height: 40px;
  }

  /* Hamburger visible */
  .hamburger {
    display: flex;
    z-index: 10002;
  }
/* HERO MOBILE FIX */
.hero-visual {
  order: -1;
}

/* Hide unwanted sections */
.hero-card {
  display: none !important;
}

.mini-cards {
  display: none !important;
}

/* Button full width */
.buy-without-agent-box button {
  width: 100%;
}

  /* MENU: hidden state — slide-fade ready */
  .nav-links {
    position: absolute !important;
    top: calc(100% + 6px);
    left: 50%;
    transform: translateX(-50%) translateY(-10px);
    width: 92%;

    background: rgba(255,255,255,0.98);
    backdrop-filter: blur(10px);

    border-radius: 16px;
    padding: 18px;

    opacity: 0;
    pointer-events: none;
    visibility: hidden;
    flex-direction: column;
    align-items: stretch;
    gap: 13px;
    display: flex !important;

    box-shadow: 0 18px 60px rgba(0,0,0,0.18);
    border: 1px solid rgba(0,0,0,0.06);

    z-index: 10000;
    float: none;
    transition: opacity 0.28s ease, transform 0.28s ease, visibility 0.28s;
  }

  /* Show menu — slide down + fade in */
  .nav-links.active {
    opacity: 1 !important;
    pointer-events: auto;
    visibility: visible;
    transform: translateX(-50%) translateY(0) !important;
  }

  /* Full width items — no float, no inline quirks */
  .nav-links li {
    width: 100%;
    float: none;
    display: block;
  }

  .nav-links a {
    display: block;
    width: 100%;
    box-sizing: border-box;
    padding: 12px 14px;
    border-radius: 10px;
  }

  .nav-links a:hover {
    background: var(--gray-light);
  }

  /* Buttons full width */
  .nav-links li.nav-btn-item {
    width: 100%;
    margin-top: 2px;
  }

  .nav-agent,
  .nav-cta {
    display: block !important;
    width: 100% !important;
    text-align: center !important;
    box-sizing: border-box !important;
  }

  /* Separate the button group with a small top margin */
  .nav-links li:has(a.nav-agent) {
    margin-top: 6px;
  }
}
/* PRIMARY BUTTON */
.nav-links a.nav-agent {
  background: var(--lic-blue);
  color: white !important;
  font-weight: 600 !important;
  border-radius: 10px;
}

.nav-links a.nav-agent:hover {
  background: var(--lic-blue-dark) !important;
  transform: translateY(-1px);
}

/* CTA BUTTON */
.nav-cta {
  background: var(--lic-yellow) !important;
  color: var(--lic-blue-dark) !important;
  font-weight: 600 !important;
  padding: 10px 18px !important;
  border-radius: 10px !important;
}

.nav-cta:hover {
  background: var(--lic-yellow-dark) !important;
  transform: translateY(-1px);
}

/* ─── MOBILE VIEW ─── */
@media (max-width: 768px) {

  .nav-inner {
    padding: 10px 16px;
  }

  .logo-img {
    height: 40px;
  }
}
/* ─── PAGE SECTIONS ─── */
.page-section { display: none; }
.page-section.active { display: block; }

/* ─── PAGE TABS ─── */
.page-tabs {
  background: var(--off-white); border-bottom: 2px solid rgba(0,58,143,0.08);
  position: sticky; top: 70px; z-index: 100;
}
.pt-inner { max-width: 1200px; margin: 0 auto; padding: 0 24px; display: flex; gap: 0; overflow-x: auto; }
.pt-tab {
  padding: 14px 24px; font-size: 14px; font-weight: 600;
  color: var(--gray); border-bottom: 3px solid transparent;
  cursor: pointer; white-space: nowrap; transition: all 0.2s;
  text-decoration: none; margin-bottom: -2px;
}
.pt-tab:hover { color: var(--lic-blue); }
.pt-tab.active { color: var(--lic-blue); border-bottom-color: var(--lic-blue); }

/* ─── HERO (Home) ─── */
.hero {
  min-height: 100vh; padding-top: 80px;
  background: linear-gradient(135deg, #eef3fc 0%, #f8f9fc 40%, #fffdf0 100%);
  position: relative; overflow: hidden;
  display: flex; align-items: center;
}
.hero-pattern {
  position: absolute; inset: 0;
  background-image:
    radial-gradient(circle at 20% 20%, rgba(0,58,143,0.05) 0%, transparent 50%),
    radial-gradient(circle at 80% 80%, rgba(255,204,0,0.12) 0%, transparent 50%);
}
.hero-grid {
  position: absolute; inset: 0; opacity: 0.03;
  background-image: linear-gradient(var(--lic-blue) 1px, transparent 1px), linear-gradient(90deg, var(--lic-blue) 1px, transparent 1px);
  background-size: 50px 50px;
}
.hero-inner {
  max-width: 1200px; margin: 0 auto;
  padding: 60px 24px; width: 100%;
  display: grid; grid-template-columns: 1fr 1fr; gap: 60px;
  align-items: center; position: relative; z-index: 1;
}
.hero-tag {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(0,58,143,0.08); border: 1px solid rgba(0,58,143,0.15);
  color: var(--lic-blue); font-size: 13px; font-weight: 600;
  padding: 8px 16px; border-radius: 100px; margin-bottom: 24px; letter-spacing: 0.3px;
}
.hero-tag::before { content: ''; width: 8px; height: 8px; border-radius: 50%; background: var(--lic-yellow); display: block; }
.hero h1 { font-size: clamp(32px, 4vw, 52px); line-height: 1.15; margin-bottom: 16px; color: var(--text-dark); }
.hero h1 em { font-style: normal; color: var(--lic-blue); position: relative; }
.hero h1 em::after {
  content: ''; position: absolute; bottom: 2px; left: 0; right: 0; height: 4px;
  background: var(--lic-yellow); border-radius: 2px; opacity: 0.7;
}
.hero-sub { font-size: 18px; color: var(--text-body); line-height: 1.6; margin-bottom: 36px; font-weight: 400; }
.hero-btns { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 40px; }
.btn-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: #25D366; color: white;
  font-size: 15px; font-weight: 600;
  padding: 14px 28px; border-radius: 12px;
  text-decoration: none; border: none; cursor: pointer;
  transition: all 0.25s; box-shadow: 0 4px 20px rgba(37,211,102,0.3);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 30px rgba(37,211,102,0.4); }
.btn-secondary {
  display: inline-flex; align-items: center; gap: 8px;
  background: white; color: var(--lic-blue);
  font-size: 15px; font-weight: 600;
  padding: 14px 28px; border-radius: 12px;
  text-decoration: none; border: 2px solid var(--lic-blue);
  cursor: pointer; transition: all 0.25s;
}
.btn-secondary:hover { background: var(--lic-blue); color: white; transform: translateY(-2px); }
.trust-badges { display: flex; gap: 16px; flex-wrap: wrap; }
.badge {
  display: flex; align-items: center; gap: 8px;
  background: white; border-radius: 10px;
  padding: 10px 16px; box-shadow: var(--shadow-sm);
  border: 1px solid rgba(0,58,143,0.08);
}
.badge-icon { font-size: 20px; }
.badge-text { font-size: 12px; font-weight: 600; color: var(--text-dark); line-height: 1.3; }
.badge-text span { display: block; color: var(--gray); font-weight: 400; font-size: 11px; }
.hero-visual { display: flex; flex-direction: column; gap: 16px; }
.hero-card {
  background: white; border-radius: var(--radius-lg);
  padding: 28px; box-shadow: var(--shadow-md);
  border: 1px solid rgba(0,58,143,0.06);
  position: relative; overflow: hidden;
}
.hero-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--lic-blue), var(--lic-yellow));
}
.hc-label { font-size: 12px; text-transform: uppercase; letter-spacing: 1px; color: var(--gray); font-weight: 600; margin-bottom: 8px; }
.hc-title { font-size: 20px; font-weight: 700; color: var(--text-dark); margin-bottom: 4px; font-family: 'Playfair Display', serif; }
.hc-sub { font-size: 13px; color: var(--gray); margin-bottom: 16px; }
.hc-stats { display: flex; gap: 20px; }
.hc-stat strong { display: block; font-size: 22px; font-weight: 700; color: var(--lic-blue); font-family: 'Playfair Display', serif; }
.hc-stat span { font-size: 12px; color: var(--gray); }
.mini-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.mini-card {
  background: white; border-radius: var(--radius);
  padding: 18px; box-shadow: var(--shadow-sm);
  border: 1px solid rgba(0,58,143,0.06); text-align: center;
}
.mini-card .mc-icon { font-size: 28px; margin-bottom: 8px; }
.mini-card .mc-label { font-size: 12px; font-weight: 600; color: var(--text-dark); }

/* ─── BENEFITS STRIP ─── */
.benefits-strip { background: var(--lic-blue); padding: 28px 0; }
.benefits-inner {
  max-width: 1200px; margin: 0 auto; padding: 0 24px;
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 0;
}
.benefit-item {
  display: flex; align-items: center; gap: 14px;
  padding: 16px 24px; border-right: 1px solid rgba(255,255,255,0.12);
}
.benefit-item:last-child { border-right: none; }
.bi-icon {
  width: 48px; height: 48px; border-radius: 12px;
  background: rgba(255,204,0,0.2); border: 1px solid rgba(255,204,0,0.3);
  display: flex; align-items: center; justify-content: center;
  font-size: 22px; flex-shrink: 0;
}
.bi-text strong { display: block; font-size: 14px; font-weight: 600; color: white; }
.bi-text span { font-size: 12px; color: rgba(255,255,255,0.65); }

/* ─── SECTION COMMONS ─── */
section { padding: 80px 0; }
.section-inner { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section-header { text-align: center; margin-bottom: 56px; }
.section-tag {
  display: inline-block;
  background: rgba(0,58,143,0.08); color: var(--lic-blue);
  font-size: 12px; font-weight: 600; letter-spacing: 1.5px;
  text-transform: uppercase; padding: 6px 16px; border-radius: 100px; margin-bottom: 16px;
}
.section-header h2 { font-size: clamp(26px, 3vw, 40px); margin-bottom: 14px; }
.section-header p { font-size: 17px; color: var(--gray); max-width: 560px; margin: 0 auto; line-height: 1.6; }

/* ─── PRODUCTS ─── */
.products { background: var(--off-white); }
.products-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 24px; }
.product-card {
  background: white; border-radius: var(--radius-lg);
  padding: 28px; box-shadow: var(--shadow-sm);
  border: 1px solid rgba(0,58,143,0.07);
  transition: all 0.3s; display: flex; flex-direction: column;
  position: relative; overflow: hidden;
}
.product-card::after {
  content: ''; position: absolute;
  bottom: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--lic-blue), var(--lic-yellow));
  transform: scaleX(0); transform-origin: left; transition: transform 0.3s;
}
.product-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.product-card:hover::after { transform: scaleX(1); }
.product-icon {
  width: 56px; height: 56px; border-radius: 14px;
  background: linear-gradient(135deg, var(--lic-blue), var(--lic-blue-light));
  display: flex; align-items: center; justify-content: center;
  font-size: 26px; margin-bottom: 18px;
}
.product-badge {
  position: absolute; top: 20px; right: 20px;
  font-size: 10px; font-weight: 700; letter-spacing: 0.5px;
  text-transform: uppercase; padding: 4px 10px; border-radius: 100px;
}
.badge-popular { background: rgba(255,204,0,0.15); color: var(--lic-gold); border: 1px solid rgba(255,204,0,0.4); }
.badge-new { background: rgba(0,200,100,0.1); color: #00a85a; border: 1px solid rgba(0,200,100,0.3); }
.product-card h3 { font-size: 18px; margin-bottom: 6px; color: var(--text-dark); }
.product-card .product-type { font-size: 12px; color: var(--lic-blue); font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 10px; }
.product-card p { font-size: 14px; color: var(--gray); line-height: 1.6; flex: 1; margin-bottom: 20px; }
.product-features { list-style: none; margin-bottom: 20px; }
.product-features li { font-size: 13px; color: var(--text-body); padding: 4px 0; display: flex; align-items: center; gap: 8px; }
.product-features li::before { content: '✓'; color: #25D366; font-weight: 700; font-size: 12px; }
.btn-wa {
  display: flex; align-items: center; justify-content: center; gap: 8px;
  background: #25D366; color: white;
  font-size: 13px; font-weight: 600;
  padding: 11px 20px; border-radius: 10px;
  text-decoration: none; transition: all 0.2s;
  border: none; cursor: pointer; width: 100%;
}
.btn-wa:hover { background: #22c55e; transform: translateY(-1px); box-shadow: 0 4px 16px rgba(37,211,102,0.3); }
.wa-icon { font-size: 16px; }

/* ─── WHY CHOOSE ─── */
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.why-content h2 { font-size: clamp(26px, 3vw, 38px); margin-bottom: 20px; }
.why-content > p { font-size: 16px; color: var(--gray); line-height: 1.7; margin-bottom: 32px; }
.why-points { display: flex; flex-direction: column; gap: 16px; }
.why-point {
  display: flex; gap: 16px; align-items: flex-start;
  padding: 18px 20px; background: var(--off-white);
  border-radius: var(--radius); border: 1px solid rgba(0,58,143,0.06); transition: all 0.2s;
}
.why-point:hover { background: white; box-shadow: var(--shadow-sm); border-color: rgba(0,58,143,0.12); }
.wp-icon { width: 42px; height: 42px; border-radius: 10px; background: var(--lic-blue); color: white; display: flex; align-items: center; justify-content: center; font-size: 20px; flex-shrink: 0; }
.wp-text strong { display: block; font-size: 15px; font-weight: 600; color: var(--text-dark); margin-bottom: 3px; }
.wp-text span { font-size: 13px; color: var(--gray); line-height: 1.5; }
.why-visual {
  background: linear-gradient(145deg, #eef3fc, #fffdf0);
  border-radius: var(--radius-lg); padding: 40px;
  border: 1px solid rgba(0,58,143,0.08); display: flex; flex-direction: column; gap: 20px;
}
.stat-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.stat-card { background: white; border-radius: var(--radius); padding: 20px; text-align: center; box-shadow: var(--shadow-sm); border: 1px solid rgba(0,58,143,0.06); }
.stat-card .stat-num { font-family: 'Playfair Display', serif; font-size: 32px; font-weight: 800; color: var(--lic-blue); display: block; margin-bottom: 4px; }
.stat-card .stat-label { font-size: 12px; color: var(--gray); font-weight: 500; }
.lic-trust-block { background: var(--lic-blue); border-radius: var(--radius); padding: 24px; color: white; text-align: center; }
.lic-trust-block .ltb-icon { font-size: 36px; margin-bottom: 10px; }
.lic-trust-block strong { display: block; font-size: 16px; color: white; margin-bottom: 8px; }
.lic-trust-block span { font-size: 13px; opacity: 0.7; line-height: 1.5; }

/* ─── PROCESS ─── */
.process { background: var(--off-white); }
.process-steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; position: relative; }
.process-steps::before {
  content: ''; position: absolute; top: 32px; left: 10%; right: 10%; height: 2px;
  background: linear-gradient(90deg, var(--lic-blue), var(--lic-yellow), var(--lic-blue));
  opacity: 0.25;
}
.process-step { text-align: center; position: relative; }
.ps-num {
  width: 64px; height: 64px; border-radius: 50%;
  background: var(--lic-blue); color: white;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 24px; font-weight: 800;
  margin: 0 auto 20px; position: relative; z-index: 1;
  box-shadow: 0 8px 24px rgba(0,58,143,0.3);
}
.process-step:nth-child(even) .ps-num { background: var(--lic-yellow); color: var(--lic-blue-dark); }
.process-step h4 { font-size: 16px; margin-bottom: 8px; }
.process-step p { font-size: 13px; color: var(--gray); line-height: 1.5; }

/* ─── TESTIMONIALS ─── */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testimonial-card {
  background: white; border-radius: var(--radius-lg);
  padding: 28px; box-shadow: var(--shadow-sm);
  border: 1px solid rgba(0,58,143,0.07); transition: all 0.3s;
}
.testimonial-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.tc-header { display: flex; align-items: center; gap: 14px; margin-bottom: 16px; }
.tc-avatar {
  width: 48px; height: 48px; border-radius: 50%;
  background: linear-gradient(135deg, var(--lic-blue), var(--lic-blue-light));
  display: flex; align-items: center; justify-content: center;
  color: white; font-size: 20px; font-weight: 700; flex-shrink: 0;
}
.tc-info strong { display: block; font-size: 15px; font-weight: 600; color: var(--text-dark); }
.tc-info span { font-size: 12px; color: var(--gray); }
.tc-stars { color: var(--lic-yellow-dark); font-size: 16px; margin-bottom: 12px; letter-spacing: 2px; }
.testimonial-card blockquote { font-size: 14px; color: var(--text-body); line-height: 1.7; margin-bottom: 14px; font-style: italic; }
.tc-plan { font-size: 11px; font-weight: 600; color: var(--lic-blue); background: rgba(0,58,143,0.07); padding: 6px 12px; border-radius: 100px; display: inline-block; }

/* ─── SERVICES ─── */
.services-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }
.service-card { background: white; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-sm); border: 1px solid rgba(0,58,143,0.07); transition: all 0.3s; }
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.service-header { background: var(--lic-blue); padding: 24px 28px; display: flex; align-items: center; gap: 14px; }
.sh-icon { font-size: 32px; }
.service-header h3 { color: white; font-size: 20px; }
.service-body { padding: 24px 28px; }
.service-body p { font-size: 14px; color: var(--gray); line-height: 1.7; margin-bottom: 16px; }
.service-list { list-style: none; margin-bottom: 20px; }
.service-list li { font-size: 13px; color: var(--text-body); padding: 5px 0; display: flex; align-items: center; gap: 8px; }
.service-list li::before { content: '→'; color: var(--lic-blue); font-weight: 700; }

/* ─── CTA BANNER ─── */
.cta-banner { background: linear-gradient(135deg, var(--lic-blue-dark), var(--lic-blue)); padding: 64px 0; }
.cta-inner { text-align: center; }
.cta-inner h2 { color: white; font-size: clamp(24px, 3vw, 36px); margin-bottom: 14px; }
.cta-inner p { color: rgba(255,255,255,0.75); font-size: 16px; margin-bottom: 32px; }
.cta-urgency { background: rgba(255,204,0,0.2); border: 1px solid rgba(255,204,0,0.4); color: var(--lic-yellow); font-size: 13px; font-weight: 600; padding: 8px 20px; border-radius: 100px; display: inline-block; margin-bottom: 20px; }
.btn-wa-large {
  display: inline-flex; align-items: center; gap: 10px;
  background: #25D366; color: white;
  font-size: 17px; font-weight: 700;
  padding: 18px 40px; border-radius: 14px;
  text-decoration: none; transition: all 0.25s;
  box-shadow: 0 6px 28px rgba(37,211,102,0.35);
}
.btn-wa-large:hover { transform: translateY(-3px); box-shadow: 0 12px 36px rgba(37,211,102,0.45); }

/* ─── CONTACT ─── */
.contact { background: var(--off-white); }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.contact-form { background: white; border-radius: var(--radius-lg); padding: 40px; box-shadow: var(--shadow-sm); border: 1px solid rgba(0,58,143,0.07); }
.contact-form h3 { font-size: 22px; margin-bottom: 24px; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: 13px; font-weight: 600; color: var(--text-dark); margin-bottom: 6px; }
.form-group input, .form-group textarea, .form-group select {
  width: 100%; padding: 12px 16px;
  border: 1.5px solid rgba(0,58,143,0.15);
  border-radius: 10px; font-size: 14px;
  font-family: 'DM Sans', sans-serif; color: var(--text-body);
  background: var(--off-white); transition: all 0.2s; outline: none;
}
.form-group input:focus, .form-group textarea:focus, .form-group select:focus {
  border-color: var(--lic-blue); background: white;
  box-shadow: 0 0 0 3px rgba(0,58,143,0.08);
}
.form-group textarea { height: 100px; resize: vertical; }
.contact-info { display: flex; flex-direction: column; gap: 20px; }
.contact-info-header { margin-bottom: 8px; }
.contact-info-header h3 { font-size: 22px; margin-bottom: 8px; }
.contact-info-header p { font-size: 14px; color: var(--gray); line-height: 1.6; }
.info-card {
  background: white; border-radius: var(--radius);
  padding: 20px; box-shadow: var(--shadow-sm);
  border: 1px solid rgba(0,58,143,0.06);
  display: flex; align-items: center; gap: 14px;
}
.ic-icon { font-size: 24px; }
.ic-text strong { display: block; font-size: 14px; font-weight: 600; color: var(--text-dark); }
.ic-text span { font-size: 13px; color: var(--gray); }
.wa-primary-card { background: linear-gradient(135deg, #25D366, #22c55e); border-radius: var(--radius-lg); padding: 28px; color: white; text-align: center; }
.wa-primary-card .wpc-icon { font-size: 48px; margin-bottom: 12px; }
.wa-primary-card h4 { font-size: 18px; color: white; margin-bottom: 6px; }
.wa-primary-card p { font-size: 13px; opacity: 0.85; margin-bottom: 18px; }
.btn-wa-white { background: white; color: #22c55e; display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; border-radius: 10px; font-size: 14px; font-weight: 700; text-decoration: none; transition: all 0.2s; }
.btn-wa-white:hover { transform: scale(1.03); }

/* ─── FAQ ─── */
.faq { background: var(--off-white); }
.faq-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.faq-item { background: white; border-radius: var(--radius); padding: 22px; box-shadow: var(--shadow-sm); border: 1px solid rgba(0,58,143,0.06); border-left: 4px solid var(--lic-blue); }
.faq-item h4 { font-size: 15px; color: var(--text-dark); margin-bottom: 10px; }
.faq-item p { font-size: 13px; color: var(--gray); line-height: 1.6; }

/* ─── HOME AGENT PREVIEW SECTION ─── */
.agent-preview {
  background: linear-gradient(135deg, var(--lic-blue-dark) 0%, #004db8 60%, #0062d6 100%);
  padding: 80px 0; position: relative; overflow: hidden;
}
.agent-preview::before {
  content: ''; position: absolute; top: -80px; right: -80px;
  width: 320px; height: 320px; border-radius: 50%;
  background: rgba(255,204,0,0.08);
}
.agent-preview::after {
  content: ''; position: absolute; bottom: -100px; left: -60px;
  width: 260px; height: 260px; border-radius: 50%;
  background: rgba(255,255,255,0.04);
}
.agent-preview-inner {
  max-width: 1200px; margin: 0 auto; padding: 0 24px;
  display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center;
  position: relative; z-index: 1;
}
.ap-content .ap-tag {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,204,0,0.15); border: 1px solid rgba(255,204,0,0.3);
  color: var(--lic-yellow); font-size: 12px; font-weight: 700; letter-spacing: 1px;
  text-transform: uppercase; padding: 7px 16px; border-radius: 100px; margin-bottom: 20px;
}
.ap-content h2 { font-size: clamp(26px, 3vw, 40px); color: white; margin-bottom: 16px; line-height: 1.2; }
.ap-content p { font-size: 16px; color: rgba(255,255,255,0.75); line-height: 1.7; margin-bottom: 28px; }
.ap-highlights { display: flex; flex-direction: column; gap: 12px; margin-bottom: 32px; }
.ap-highlight { display: flex; align-items: center; gap: 12px; }
.ap-highlight .aph-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--lic-yellow); flex-shrink: 0; }
.ap-highlight span { font-size: 14px; color: rgba(255,255,255,0.85); font-weight: 500; }
.btn-agent {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--lic-yellow); color: var(--lic-blue-dark);
  font-size: 15px; font-weight: 700;
  padding: 14px 28px; border-radius: 12px;
  text-decoration: none; border: none; cursor: pointer;
  transition: all 0.25s; box-shadow: 0 4px 20px rgba(255,204,0,0.35);
}
.btn-agent:hover { background: var(--lic-yellow-dark); transform: translateY(-2px); box-shadow: 0 8px 28px rgba(255,204,0,0.45); }
.ap-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.ap-stat {
  background: rgba(255,255,255,0.08); border-radius: var(--radius);
  padding: 24px; text-align: center; border: 1px solid rgba(255,255,255,0.12);
  backdrop-filter: blur(8px);
}
.ap-stat strong { display: block; font-family: 'Playfair Display', serif; font-size: 30px; font-weight: 800; color: var(--lic-yellow); margin-bottom: 4px; }
.ap-stat span { font-size: 12px; color: rgba(255,255,255,0.65); }

/* ─── BECOME AGENT PAGE ─── */
/* Agent Hero */
.agent-hero {
  min-height: 100vh; padding-top: 80px;
  background: linear-gradient(135deg, var(--lic-blue-dark) 0%, #003fa0 50%, #0054c8 100%);
  display: flex; align-items: center; position: relative; overflow: hidden;
}
.agent-hero::before {
  content: ''; position: absolute; top: -120px; right: -120px;
  width: 500px; height: 500px; border-radius: 50%;
  background: rgba(255,204,0,0.07);
}
.agent-hero::after {
  content: ''; position: absolute; bottom: -100px; left: -80px;
  width: 400px; height: 400px; border-radius: 50%;
  background: rgba(255,255,255,0.04);
}
.ah-grid {
  position: absolute; inset: 0; opacity: 0.04;
  background-image: linear-gradient(rgba(255,255,255,0.5) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.5) 1px, transparent 1px);
  background-size: 50px 50px;
}
.agent-hero-inner {
  max-width: 1200px; margin: 0 auto; padding: 80px 24px; width: 100%;
  display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 60px;
  align-items: center; position: relative; z-index: 1;
}
.agent-hero-tag {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,204,0,0.12); border: 1px solid rgba(255,204,0,0.3);
  color: var(--lic-yellow); font-size: 12px; font-weight: 700; letter-spacing: 1px;
  text-transform: uppercase; padding: 8px 16px; border-radius: 100px; margin-bottom: 24px;
}
.agent-hero-tag::before { content: ''; width: 7px; height: 7px; border-radius: 50%; background: var(--lic-yellow); display: block; animation: blink 2s infinite; }
@keyframes blink { 0%,100%{opacity:1}50%{opacity:0.3} }
.agent-hero-content h1 { font-size: clamp(30px, 4vw, 52px); color: white; line-height: 1.15; margin-bottom: 16px; }
.agent-hero-content h1 em { font-style: normal; color: var(--lic-yellow); }
.agent-hero-content p { font-size: 18px; color: rgba(255,255,255,0.78); line-height: 1.65; margin-bottom: 36px; }
.agent-hero-btns { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 40px; }
.btn-wa-hero {
  display: inline-flex; align-items: center; gap: 10px;
  background: #25D366; color: white;
  font-size: 16px; font-weight: 700; padding: 16px 32px; border-radius: 12px;
  text-decoration: none; transition: all 0.25s;
  box-shadow: 0 6px 24px rgba(37,211,102,0.4);
}
.btn-wa-hero:hover { transform: translateY(-2px); box-shadow: 0 10px 32px rgba(37,211,102,0.5); }
.btn-outline-white {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent; color: white;
  font-size: 15px; font-weight: 600; padding: 16px 28px; border-radius: 12px;
  text-decoration: none; border: 2px solid rgba(255,255,255,0.35); cursor: pointer; transition: all 0.25s;
}
.btn-outline-white:hover { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.6); }
.agent-hero-trust { display: flex; flex-direction: column; gap: 12px; }
.aht-item { display: flex; align-items: center; gap: 10px; }
.aht-item .aht-icon { font-size: 18px; }
.aht-item span { font-size: 14px; color: rgba(255,255,255,0.75); }
.agent-hero-visual { display: flex; flex-direction: column; gap: 16px; }
.ahv-card {
  background: rgba(255,255,255,0.1); border-radius: var(--radius-lg);
  padding: 28px; border: 1px solid rgba(255,255,255,0.15);
  backdrop-filter: blur(10px);
}
.ahv-card .ahvc-label { font-size: 11px; color: rgba(255,255,255,0.5); text-transform: uppercase; letter-spacing: 1px; font-weight: 600; margin-bottom: 6px; }
.ahv-card .ahvc-title { font-size: 18px; color: white; font-weight: 700; margin-bottom: 14px; font-family: 'Playfair Display', serif; }
.earning-tiers { display: flex; flex-direction: column; gap: 10px; }
.et-row { display: flex; align-items: center; justify-content: space-between; background: rgba(255,255,255,0.07); border-radius: 10px; padding: 12px 14px; }
.et-label { font-size: 12px; color: rgba(255,255,255,0.7); font-weight: 500; }
.et-amount { font-size: 16px; font-weight: 700; color: var(--lic-yellow); font-family: 'Playfair Display', serif; }
.ahv-mini-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.ahv-mini {
  background: rgba(255,255,255,0.1); border-radius: var(--radius);
  padding: 18px; text-align: center; border: 1px solid rgba(255,255,255,0.12);
}
.ahv-mini strong { display: block; font-family: 'Playfair Display', serif; font-size: 24px; font-weight: 800; color: var(--lic-yellow); }
.ahv-mini span { font-size: 11px; color: rgba(255,255,255,0.6); }

/* ─── AGENT BENEFITS ─── */
.agent-benefits { background: var(--off-white); }
.ab-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.ab-card {
  background: white; border-radius: var(--radius-lg);
  padding: 32px 28px; box-shadow: var(--shadow-sm);
  border: 1px solid rgba(0,58,143,0.07);
  transition: all 0.3s; text-align: center; position: relative; overflow: hidden;
}
.ab-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.ab-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--lic-blue), var(--lic-yellow));
}
.ab-icon {
  width: 64px; height: 64px; border-radius: 18px;
  background: linear-gradient(135deg, var(--lic-blue), var(--lic-blue-light));
  display: flex; align-items: center; justify-content: center;
  font-size: 28px; margin: 0 auto 20px;
}
.ab-card h3 { font-size: 18px; margin-bottom: 10px; }
.ab-card p { font-size: 14px; color: var(--gray); line-height: 1.6; }

/* ─── JOIN STEPS ─── */
.join-steps { background: var(--white); }
.js-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; position: relative; }
.js-grid::before {
  content: ''; position: absolute; top: 36px; left: 12%; right: 12%; height: 3px;
  background: linear-gradient(90deg, var(--lic-blue), var(--lic-yellow), var(--lic-blue));
  opacity: 0.2;
}
.js-step { text-align: center; position: relative; }
.js-num {
  width: 72px; height: 72px; border-radius: 50%;
  background: var(--lic-blue); color: white;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 28px; font-weight: 800;
  margin: 0 auto 20px; position: relative; z-index: 1;
  box-shadow: 0 8px 28px rgba(0,58,143,0.3); transition: all 0.3s;
}
.js-step:hover .js-num { transform: scale(1.08); box-shadow: 0 12px 36px rgba(0,58,143,0.4); }
.js-step:nth-child(2) .js-num { background: var(--lic-yellow); color: var(--lic-blue-dark); }
.js-step:nth-child(4) .js-num { background: #25D366; }
.js-icon { font-size: 32px; margin-bottom: 12px; }
.js-step h4 { font-size: 17px; margin-bottom: 8px; }
.js-step p { font-size: 13px; color: var(--gray); line-height: 1.6; }
.js-tag { font-size: 11px; font-weight: 700; color: var(--lic-blue); background: rgba(0,58,143,0.08); padding: 4px 12px; border-radius: 100px; display: inline-block; margin-top: 8px; }

/* ─── EARNINGS SECTION ─── */
.earnings-section { background: var(--off-white); }
.earnings-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.eg-content h2 { font-size: clamp(26px, 3vw, 38px); margin-bottom: 14px; }
.eg-content > p { font-size: 16px; color: var(--gray); line-height: 1.7; margin-bottom: 32px; }
.earnings-table { width: 100%; border-collapse: collapse; margin-bottom: 28px; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-sm); }
.earnings-table thead tr { background: var(--lic-blue); }
.earnings-table th { color: white; font-size: 13px; font-weight: 600; padding: 14px 18px; text-align: left; }
.earnings-table td { font-size: 14px; padding: 12px 18px; border-bottom: 1px solid rgba(0,58,143,0.06); background: white; }
.earnings-table tr:last-child td { border-bottom: none; }
.earnings-table tr:nth-child(even) td { background: var(--off-white); }
.et-highlight { color: #25D366; font-weight: 700; }
.eg-visual {
  background: linear-gradient(145deg, var(--lic-blue-dark), var(--lic-blue));
  border-radius: var(--radius-lg); padding: 40px;
  display: flex; flex-direction: column; gap: 20px; position: relative; overflow: hidden;
}
.eg-visual::before { content: ''; position: absolute; top: -60px; right: -60px; width: 220px; height: 220px; border-radius: 50%; background: rgba(255,204,0,0.08); }
.egv-title { color: white; font-family: 'Playfair Display', serif; font-size: 22px; margin-bottom: 8px; }
.egv-sub { color: rgba(255,255,255,0.65); font-size: 14px; margin-bottom: 8px; }
.egv-bars { display: flex; flex-direction: column; gap: 14px; }
.egv-bar { }
.egv-bar-label { display: flex; justify-content: space-between; margin-bottom: 6px; }
.egv-bar-label span:first-child { font-size: 13px; color: rgba(255,255,255,0.8); font-weight: 500; }
.egv-bar-label span:last-child { font-size: 13px; color: var(--lic-yellow); font-weight: 700; }
.egv-track { height: 10px; background: rgba(255,255,255,0.1); border-radius: 100px; overflow: hidden; }
.egv-fill { height: 100%; border-radius: 100px; background: linear-gradient(90deg, var(--lic-yellow), #ffdd44); }
.egv-disclaimer { font-size: 11px; color: rgba(255,255,255,0.4); line-height: 1.5; margin-top: 4px; }

/* ─── AGENT CTA ─── */
.agent-cta { background: linear-gradient(135deg, #1a3a70 0%, var(--lic-blue) 50%, #0054c8 100%); padding: 80px 0; position: relative; overflow: hidden; }
.agent-cta::before { content: ''; position: absolute; top: -80px; right: -80px; width: 400px; height: 400px; border-radius: 50%; background: rgba(255,204,0,0.07); }
.acta-inner { text-align: center; position: relative; z-index: 1; }
.acta-badge { display: inline-flex; align-items: center; gap: 8px; background: rgba(255,204,0,0.15); border: 1px solid rgba(255,204,0,0.3); color: var(--lic-yellow); font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; padding: 8px 18px; border-radius: 100px; margin-bottom: 24px; }
.acta-inner h2 { font-size: clamp(28px, 3.5vw, 46px); color: white; margin-bottom: 16px; line-height: 1.2; }
.acta-inner p { font-size: 17px; color: rgba(255,255,255,0.72); margin-bottom: 36px; max-width: 540px; margin-left: auto; margin-right: auto; line-height: 1.65; }
.acta-btns { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; margin-bottom: 32px; }
.acta-trust { display: flex; gap: 28px; justify-content: center; flex-wrap: wrap; }
.acta-trust-item { display: flex; align-items: center; gap: 8px; color: rgba(255,255,255,0.6); font-size: 13px; }
.acta-trust-item span:first-child { font-size: 18px; }

/* ─── BIMA SAKHI SECTION ─── */
.bima-sakhi {
  background: linear-gradient(135deg, #fdf4ff 0%, #fff0f8 50%, #f0f8ff 100%);
  padding: 64px 0; border-top: 3px solid transparent;
  border-image: linear-gradient(90deg, #9b5de5, #f15bb5, #fee440) 1;
}
.bima-inner { display: flex; gap: 56px; align-items: center; flex-wrap: wrap; }
.bima-icon-col { text-align: center; flex-shrink: 0; }
.bima-badge-circle {
  width: 80px; height: 80px; border-radius: 50%;
  background: linear-gradient(135deg, #9b5de5, #f15bb5);
  display: flex; align-items: center; justify-content: center;
  font-size: 36px; margin: 0 auto 12px; box-shadow: 0 8px 24px rgba(155,93,229,0.3);
}
.bima-icon-col strong { font-size: 14px; color: #9b5de5; font-weight: 700; }
.bima-content { flex: 1; min-width: 300px; }
.bima-tag { display: inline-block; background: rgba(155,93,229,0.1); color: #9b5de5; font-size: 11px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; padding: 5px 14px; border-radius: 100px; margin-bottom: 14px; }
.bima-content h2 { font-size: clamp(22px, 3vw, 32px); margin-bottom: 14px; }
.bima-content > p { font-size: 15px; color: var(--gray); line-height: 1.7; margin-bottom: 24px; }
.bima-points { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 24px; }
.bima-point { display: flex; gap: 10px; align-items: flex-start; }
.bp-icon { font-size: 20px; flex-shrink: 0; }
.bp-text strong { display: block; font-size: 14px; font-weight: 600; color: var(--text-dark); }
.bp-text span { font-size: 12px; color: var(--gray); line-height: 1.4; }
.btn-bima {
  display: inline-flex; align-items: center; gap: 8px;
  background: linear-gradient(135deg, #9b5de5, #f15bb5); color: white;
  font-size: 14px; font-weight: 700; padding: 14px 24px; border-radius: 12px;
  text-decoration: none; transition: all 0.25s;
  box-shadow: 0 4px 20px rgba(155,93,229,0.35);
}
.btn-bima:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(155,93,229,0.45); }

/* ─── DEV OFFICER SECTION ─── */
.dev-officer { background: linear-gradient(135deg, #eef3fc 0%, #f8faff 100%); }
.do-grid { display: grid; grid-template-columns: 1fr 2fr; gap: 48px; align-items: start; }
.do-photo {
  background: var(--lic-blue); border-radius: var(--radius-lg);
  padding: 40px 28px; text-align: center; color: white;
  position: sticky; top: 100px;
}
.do-photo-placeholder { font-size: 80px; margin-bottom: 16px; }
.do-photo-img-wrap {
  width: 100%;
  margin-bottom: 20px;
  border-radius: 14px;
  overflow: hidden;
  box-shadow: 0 8px 32px rgba(0,0,0,0.28);
  border: 3px solid rgba(255,255,255,0.18);
  aspect-ratio: 3/4;
  background: var(--lic-blue-dark);
}
.do-photo-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  display: block;
}
.do-photo-info strong { display: block; font-size: 20px; color: white; margin-bottom: 4px; }
.do-photo-info span { font-size: 13px; color: rgba(255,255,255,0.65); display: block; margin-bottom: 14px; }
.do-photo-badge { background: var(--lic-yellow); color: var(--lic-blue-dark); font-size: 12px; font-weight: 700; padding: 6px 16px; border-radius: 100px; display: inline-block; }
.do-content { display: flex; flex-direction: column; gap: 24px; }
.do-tag { display: inline-block; background: rgba(0,58,143,0.08); color: var(--lic-blue); font-size: 11px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; padding: 5px 14px; border-radius: 100px; }
.do-content h2 { font-size: 32px; }
.do-title { font-size: 15px; color: var(--lic-blue); font-weight: 600; margin-top: -12px; }
.do-content p { font-size: 15px; color: var(--gray); line-height: 1.7; }
.do-highlights { display: flex; gap: 24px; flex-wrap: wrap; }
.do-highlight { text-align: center; }
.do-highlight strong { display: block; font-family: 'Playfair Display', serif; font-size: 32px; font-weight: 800; color: var(--lic-blue); }
.do-highlight span { font-size: 12px; color: var(--gray); }
.do-certs { display: flex; gap: 10px; flex-wrap: wrap; }
.do-cert { background: rgba(0,58,143,0.08); border: 1px solid rgba(0,58,143,0.15); color: var(--lic-blue); font-size: 12px; font-weight: 600; padding: 6px 14px; border-radius: 8px; }

/* ─── FOOTER ─── */
footer { background: var(--lic-blue-dark); color: rgba(255,255,255,0.8); padding: 56px 0 28px; }
.footer-inner { max-width: 1200px; margin: 0 auto; padding: 0 24px; display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; }
.footer-brand .logo-badge-footer { width: 50px; height: 50px; border-radius: 12px; background: rgba(255,255,255,0.1); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; font-size: 22px; }
.footer-brand h3 { color: white; font-size: 18px; margin-bottom: 8px; }
.footer-brand p { font-size: 13px; line-height: 1.7; margin-bottom: 20px; opacity: 0.7; }
.footer-social { display: flex; gap: 10px; }
.social-btn { width: 36px; height: 36px; border-radius: 8px; background: rgba(255,255,255,0.1); display: flex; align-items: center; justify-content: center; font-size: 16px; text-decoration: none; transition: all 0.2s; }
.social-btn:hover { background: rgba(255,204,0,0.2); }
.footer-col h4 { font-size: 14px; font-weight: 700; color: rgba(255,255,255,0.95); margin-bottom: 16px; text-transform: uppercase; letter-spacing: 0.5px; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 8px; }
.footer-col ul li a { color: rgba(255,255,255,0.6); text-decoration: none; font-size: 13px; transition: color 0.2s; cursor: pointer; }
.footer-col ul li a:hover { color: var(--lic-yellow); }
.footer-bottom { max-width: 1200px; margin: 32px auto 0; padding: 20px 24px 0; border-top: 1px solid rgba(255,255,255,0.1); display: flex; justify-content: space-between; align-items: center; }
.footer-bottom p { font-size: 12px; opacity: 0.5; }
.disclaimer { font-size: 11px; opacity: 0.4; max-width: 400px; text-align: right; line-height: 1.4; }
.footer-logo-img { height: 65px;  width: auto; display: block; }

/* ─── STICKY WA ─── */
.sticky-wa { position: fixed; bottom: 28px; right: 24px; z-index: 999; display: flex; align-items: center; gap: 10px; }
.sticky-wa-btn { width: 60px; height: 60px; border-radius: 50%; background: #25D366; color: white; display: flex; align-items: center; justify-content: center; font-size: 30px; text-decoration: none; box-shadow: 0 6px 24px rgba(37,211,102,0.5); animation: pulse-wa 2s infinite; }
.sticky-wa-label { background: white; color: var(--text-dark); padding: 8px 14px; border-radius: 8px; font-size: 13px; font-weight: 600; box-shadow: var(--shadow-md); white-space: nowrap; }
@keyframes pulse-wa { 0%,100%{ box-shadow: 0 6px 24px rgba(37,211,102,0.5); } 50%{ box-shadow: 0 6px 32px rgba(37,211,102,0.7), 0 0 0 8px rgba(37,211,102,0.1); } }

/* ─── EXIT POPUP ─── */
.exit-popup-overlay { position: fixed; inset: 0; z-index: 10000; background: rgba(0,26,64,0.7); backdrop-filter: blur(4px); display: none; align-items: center; justify-content: center; padding: 20px; }
.exit-popup-overlay.active { display: flex; }
.exit-popup { background: white; border-radius: var(--radius-lg); padding: 40px; max-width: 480px; width: 100%; text-align: center; position: relative; box-shadow: var(--shadow-lg); animation: popup-in 0.3s ease; }
@keyframes popup-in { from { transform: scale(0.92); opacity: 0; } to { transform: scale(1); opacity: 1; } }
.popup-close { position: absolute; top: 16px; right: 16px; width: 32px; height: 32px; border-radius: 50%; background: var(--gray-light); border: none; cursor: pointer; font-size: 16px; display: flex; align-items: center; justify-content: center; color: var(--gray); }
.exit-popup .ep-icon { font-size: 56px; margin-bottom: 12px; }
.exit-popup h3 { font-size: 24px; margin-bottom: 8px; }
.exit-popup p { font-size: 14px; color: var(--gray); margin-bottom: 24px; line-height: 1.6; }
.ep-urgency { background: rgba(255,204,0,0.12); border: 1px solid rgba(255,204,0,0.3); border-radius: 8px; padding: 10px 16px; margin-bottom: 20px; font-size: 13px; color: var(--lic-gold); font-weight: 600; }

/* ─── ANIMATIONS ─── */
.fade-up { opacity: 0; transform: translateY(24px); transition: opacity 0.6s ease, transform 0.6s ease; }
.fade-up.visible { opacity: 1; transform: translateY(0); }

/* ─── PLAN CATEGORIES ─── */
.plan-category { margin-bottom: 64px; }
.plan-category:last-child { margin-bottom: 0; }
.category-header { text-align: center; margin-bottom: 36px; padding-bottom: 20px; border-bottom: 2px solid rgba(0,58,143,0.08); }
.category-header h2 { font-size: clamp(22px, 2.5vw, 32px); color: var(--text-dark); margin-bottom: 8px; }
.category-header p { font-size: 15px; color: var(--gray); max-width: 560px; margin: 0 auto; line-height: 1.6; }

/* ─── FAQ SCHEMA / AEO ─── */
.faq-schema-section { background: var(--off-white); }

/* ─── MOBILE FIXES ─── */
@media (max-width: 600px) {
  .plan-category { margin-bottom: 48px; }
  .products-grid { grid-template-columns: 1fr !important; gap: 16px !important; }
  .btn-wa, .btn-wa-large, .btn-primary, .btn-secondary, .btn-agent { width: 100%; justify-content: center; }
  .product-card { padding: 20px; }
  .category-header { margin-bottom: 24px; }
  .plan-category .products-grid { overflow: visible; }
  #page-plans .section-inner { overflow-x: hidden; }
}
@media (max-width: 900px) {
  .products-grid { grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); }
}

@media (max-width: 1024px) {
  .ab-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 900px) {
  .hero-inner { display: flex; flex-direction: column; gap: 32px; padding: 40px 24px; }
  .hero-visual { display: flex; order: -1; width: 100%; }
  .benefits-inner { grid-template-columns: repeat(2, 1fr); }
  .benefit-item:nth-child(2) { border-right: none; }
  .why-grid { grid-template-columns: 1fr; }
  .why-visual { order: -1; }
  .process-steps { grid-template-columns: repeat(2, 1fr); gap: 30px; }
  .process-steps::before { display: none; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .faq-grid { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; gap: 10px; text-align: center; }
  .disclaimer { text-align: center; }
  .sticky-wa-label { display: none; }
  .agent-preview-inner { grid-template-columns: 1fr; gap: 40px; }
  .agent-hero-inner { grid-template-columns: 1fr; gap: 40px; }
  .agent-hero-visual { display: none; }
  .earnings-grid { grid-template-columns: 1fr; }
  .do-grid { grid-template-columns: 1fr; }
  .do-photo { position: static; }
  .js-grid { grid-template-columns: repeat(2, 1fr); }
  .js-grid::before { display: none; }
}

.lic2-cta-btn{
    width:100%;
    background:linear-gradient(135deg,#003A8F,#0A4FBF);
    color:#fff;
    border:none;
    border-radius:18px;
    padding:20px 24px;
    font-size:20px;
    font-weight:700;
    cursor:pointer;
    display:flex;
    align-items:center;
    justify-content:center;
    gap:12px;
    box-shadow:0 12px 30px rgba(0,58,143,.25);
    transition:all .3s ease;
    margin-bottom:20px;
}

.lic2-cta-btn:hover{
    transform:translateY(-2px);
    box-shadow:0 18px 40px rgba(0,58,143,.35);
}

.lic2-cta-btn::after{
    content:"100% Free Consultation";
    display:block;
    font-size:12px;
    font-weight:500;
    opacity:.9;
    margin-left:8px;
}

.lic2-trust-line{
    text-align:center;
    font-size:13px;
    color:#64748b;
    margin-top:-8px;
    margin-bottom:20px;
}
@media (max-width: 600px) {
  .benefits-inner { grid-template-columns: 1fr 1fr; }
  .mini-cards { grid-template-columns: 1fr 1fr; }
  .products-grid { grid-template-columns: 1fr; }
  .process-steps { grid-template-columns: 1fr; }
  .stat-row { grid-template-columns: 1fr 1fr; }
  .footer-inner { grid-template-columns: 1fr; }
  .hero-btns { flex-direction: column; }
  .trust-badges { flex-direction: column; }
  section { padding: 56px 0; }
  .bima-inner { flex-direction: column; gap: 28px; }
  .bima-points { grid-template-columns: 1fr; }
  .ab-grid { grid-template-columns: 1fr; }
  .ap-stats { grid-template-columns: 1fr 1fr; }
  .js-grid { grid-template-columns: 1fr; }
  .agent-hero-btns { flex-direction: column; }
  .acta-btns { flex-direction: column; align-items: center; }
  .do-highlights { flex-direction: column; gap: 12px; }
}

/* LIC POPUP MODAL */
.lic2-overlay{
  position:fixed;
  inset:0;
  background:rgba(10,20,50,.65);
  backdrop-filter:blur(6px);
  display:none;
  align-items:center;
  justify-content:center;
  z-index:99999;
  padding:20px;
}

.lic2-overlay.lic2-open{
  display:flex;
}

.lic2-box{
  width:100%;
  max-width:800px;
  background:#fff;
  border-radius:24px;
  padding:32px;
  position:relative;
  box-shadow:0 30px 80px rgba(0,0,0,.25);
  max-height:90vh;
  overflow-y:auto;
}

.lic2-x{
  position:absolute;
  right:20px;
  top:20px;
  border:none;
  background:none;
  font-size:36px;
  cursor:pointer;
  color:#333;
}

/* Modal Main Heading */
.lic2-box h2,
.lic2-box h3,
.lic2-title,
.lic2-headline,
.lic2-head h3 {
  font-size: clamp(28px, 3vw, 42px);
  line-height: 1.15;
  margin-bottom: 12px;
  color: #16214a;
  font-weight: 700;
}

/* Modal Subtitle */
.lic2-box p,
.lic2-sub {
  font-size: 18px;
  line-height: 1.5;
  color: #4b5563;
  margin-bottom: 24px;
}

/* GRID FORM */
.lic2-form{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:18px;
}

.lic2-form .full{
  grid-column:1 / -1;
}

.lic2-form label{
  display:block;
  font-size:14px;
  font-weight:600;
  margin-bottom:6px;
  color:#23314f;
}

.lic2-form input,
.lic2-form select{
  width:100%;
  height:52px;
  border:1px solid #d8dfeb;
  border-radius:12px;
  padding:0 16px;
  font-size:15px;
  background:#fff;
}

.lic2-form input:focus,
.lic2-form select:focus{
  outline:none;
  border-color:#003A8F;
}

.lic2-gender{
  display:flex;
  gap:10px;
  flex-wrap:wrap;
}

.lic2-gender button{
  padding:10px 16px;
  border-radius:10px;
  border:1px solid #d8dfeb;
  background:#fff;
  cursor:pointer;
}

.lic2-submit{
  background:#25D366;
  color:#fff;
  border:none;
  border-radius:14px;
  height:56px;
  font-size:17px;
  font-weight:700;
  cursor:pointer;
  width:100%;
}

.lic2-note{
  text-align:center;
  margin-top:15px;
  color:#64748b;
  font-size:14px;
}

/* MOBILE */
@media(max-width:768px){

  .lic2-box{
    padding:20px;
    border-radius:18px;
  }

  .lic2-box h2,
  .lic2-box h3,
  .lic2-title,
  .lic2-headline{
    font-size:28px;
    line-height:1.2;
  }

  .lic2-box p,
  .lic2-sub{
    font-size:16px;
  }

  .lic2-form{
    grid-template-columns:1fr;
  }
}