/* ============================================================
   PORTWOOD INSURANCE — MAIN STYLESHEET
   ============================================================ */

/* ── Variables ─────────────────────────────────────────────── */
:root {
  --bg: #F5F7FA;
  --white: #ffffff;
  --navy: #1A2B4A;
  --navy-light: #2d3f60;
  --cyan: #00BFC8;
  --cyan-dark: #009aa3;
  --cyan-light: #e0f8fa;
  --grey: #6b7a90;
  --grey-light: #e8ecf0;
  --grey-mid: #c5cdd8;
  --shadow: 0 2px 12px rgba(26,43,74,0.09);
  --shadow-lg: 0 8px 32px rgba(26,43,74,0.13);
  --radius: 12px;
  --radius-sm: 8px;
  --font: 'Inter', 'Segoe UI', system-ui, sans-serif;
  --transition: 0.22s ease;
}

/* ── Reset ──────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font);
  background: var(--bg);
  color: var(--navy);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
ul { list-style: none; }
button { cursor: pointer; font-family: var(--font); }

/* ── Typography ─────────────────────────────────────────────── */
h1 { font-size: clamp(2rem, 4.5vw, 3rem); font-weight: 800; line-height: 1.15; }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); font-weight: 800; line-height: 1.2; }
h3 { font-size: clamp(1.1rem, 2vw, 1.35rem); font-weight: 700; }
h4 { font-size: 1rem; font-weight: 700; }
p  { color: #4a5878; line-height: 1.7; }

.accent { color: var(--cyan); }
.section-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--cyan);
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 0.6rem;
}
.section-label::before {
  content: '';
  display: inline-block;
  width: 24px;
  height: 2px;
  background: var(--cyan);
}

/* ── Layout ─────────────────────────────────────────────────── */
.container {
  max-width: 1380px;
  margin: 0 auto;
  padding: 0 40px;
}
.section { padding: 72px 0; }
.section-sm { padding: 48px 0; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; }
.grid-6 { display: grid; grid-template-columns: repeat(6,1fr); gap: 20px; }

/* ── Buttons ─────────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: 6px;
  font-weight: 700;
  font-size: 0.88rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  transition: var(--transition);
  border: 2px solid transparent;
}
.btn-primary {
  background: var(--cyan);
  color: var(--white);
}
.btn-primary:hover {
  background: var(--cyan-dark);
  transform: translateY(-1px);
  box-shadow: 0 4px 14px rgba(0,191,200,0.35);
}
.btn-outline {
  border-color: var(--navy);
  color: var(--navy);
  background: transparent;
}
.btn-outline:hover {
  background: var(--navy);
  color: var(--white);
}
.btn-outline-white {
  border-color: var(--white);
  color: var(--white);
  background: transparent;
}
.btn-outline-white:hover {
  background: var(--white);
  color: var(--navy);
}
.btn-sm { padding: 9px 20px; font-size: 0.8rem; }

/* ── Navbar ──────────────────────────────────────────────────── */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(200,210,225,0.4);
  transition: box-shadow var(--transition), background var(--transition);
}
.navbar.scrolled {
  box-shadow: 0 2px 20px rgba(26,43,74,0.1);
  background: #ffffff;
}
.nav-inner {
  display: flex;
  align-items: center;
  gap: 0;
  height: 88px;
  max-width: 1380px;
  margin: 0 auto;
  padding: 0 40px;
}

/* Logo */
.nav-logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
  order: 1;
  margin-right: 0;
}
.nav-logo-img {
  height: 78px;
  width: auto;
  display: block;
}

/* Nav links — centred between logo and CTA */
.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  order: 2;
  flex: 1;
  justify-content: center;
}
.nav-links a, .nav-dropdown-toggle {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--navy);
  padding: 8px 10px;
  border-radius: 6px;
  transition: color var(--transition), background var(--transition);
  white-space: nowrap;
  background: none;
  border: none;
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-links a:hover, .nav-dropdown-toggle:hover { color: var(--cyan); background: var(--cyan-light); }
.nav-links a.active { color: var(--cyan); }

/* Dropdown */
.nav-dropdown { position: relative; }
.nav-dropdown-toggle .chevron {
  width: 14px; height: 14px;
  transition: transform var(--transition);
}
.nav-dropdown.open .chevron { transform: rotate(180deg); }
.dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  min-width: 200px;
  padding: 8px;
  opacity: 0;
  pointer-events: none;
  transform: translateY(-8px);
  transition: opacity var(--transition), transform var(--transition);
  z-index: 200;
}
.nav-dropdown.open .dropdown-menu {
  opacity: 1;
  pointer-events: all;
  transform: translateY(0);
}
.dropdown-menu a {
  display: block;
  padding: 9px 14px;
  border-radius: var(--radius-sm);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  transition: background var(--transition), color var(--transition);
}
.dropdown-menu a:hover { background: var(--cyan-light); color: var(--cyan); }

/* Nav right */
.nav-right { order: 3; margin-left: 0; display: flex; align-items: center; gap: 12px; }

/* Mobile hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  padding: 8px;
  cursor: pointer;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  transition: var(--transition);
  border-radius: 2px;
}
.hamburger.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* Mobile nav */
.mobile-nav {
  display: none;
  position: fixed;
  top: 64px; left: 0; right: 0;
  background: var(--white);
  border-bottom: 2px solid var(--grey-light);
  z-index: 999;
  padding: 16px 24px;
  flex-direction: column;
  gap: 4px;
  box-shadow: var(--shadow-lg);
  max-height: calc(100vh - 64px);
  overflow-y: auto;
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
  padding: 12px 16px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--navy);
  border-bottom: 1px solid var(--grey-light);
}
.mobile-nav a:last-child { border-bottom: none; }
.mobile-nav a:hover { background: var(--cyan-light); color: var(--cyan); }
.mobile-nav a.btn-primary { color: var(--white); margin-top: 8px; text-align: center; justify-content: center; }
.mobile-nav a.btn-primary:hover { background: var(--cyan-dark); }

/* Page body offset */
body { padding-top: 64px; }

/* ── Hero ────────────────────────────────────────────────────── */
.hero {
  position: relative;
  overflow: hidden;
  background: #F5F7FA;
}

/* The illustration fills the hero as background */
.hero-img-bg .hero-bg-img {
  display: block;
  width: 100%;
  height: auto;
  max-height: 620px;
  object-fit: cover;
  object-position: center bottom;
}

/* Text centred on top of the image — sits in the open sky area */
.hero-overlay {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: flex-start;
  justify-content: center;
  padding: 6% 24px 0;
}

.hero-content {
  text-align: center;
  max-width: 640px;
}

.hero h1 { margin-bottom: 16px; }
.hero p  { font-size: 1.05rem; margin-bottom: 28px; color: #4a5878; }
.hero-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ── Responsive ── */
@media (max-width: 768px) {
  /* Text first, image below — Lemonade style */
  .hero { display: flex; flex-direction: column; overflow: visible; background: #fff; }

  /* Move overlay above image */
  .hero-overlay {
    order: 1;
    position: relative;
    inset: auto;
    padding: 36px 28px 28px;
    background: #fff;
    justify-content: center;
    align-items: center;
  }
  .hero-img-bg .hero-bg-img {
    order: 2;
    max-height: none;
    width: 100%;
    height: auto;
    object-fit: unset;
    display: block;
  }

  .hero-content { max-width: 100%; text-align: center; }
  .hero h1 { font-size: 1.6rem; margin-bottom: 12px; color: var(--navy); }
  .hero p  { font-size: 1rem; margin-bottom: 24px; }

  /* Only show Book a Free Review on mobile */
  .hero-btns { justify-content: center; }
  .hero-btns .btn-primary { display: none; }
  .hero-btns .btn-outline {
    display: inline-flex;
    background: var(--cyan);
    color: #fff;
    border-color: var(--cyan);
    padding: 14px 32px;
    font-size: 1rem;
    font-weight: 700;
    border-radius: 8px;
    width: 260px;
    justify-content: center;
  }
  .hero-btns .btn-outline:hover { background: #009aaa; border-color: #009aaa; }
}
@media (max-width: 480px) {
  .hero-overlay { padding: 28px 20px 22px; }
  .hero h1 { font-size: 1.35rem; }
  .hero p  { font-size: 0.95rem; }
  .hero-btns .btn-outline { width: 240px; padding: 13px 24px; }
}


/* Taillight animation */
.taillight {
  animation: taillightBlink 1.4s ease-in-out infinite;
}
.taillight-2 {
  animation: taillightBlink 1.4s ease-in-out infinite 0.7s;
}
@keyframes taillightBlink {
  0%, 100% { opacity: 1; fill: #ff4444; }
  50% { opacity: 0.15; fill: #ff9999; }
}

/* ── Cards ───────────────────────────────────────────────────── */
.card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 28px 24px;
  transition: transform var(--transition), box-shadow var(--transition);
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.card-icon {
  width: 52px; height: 52px;
  background: var(--cyan-light);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}
.card-icon svg { width: 26px; height: 26px; color: var(--cyan); }
.card h3 { margin-bottom: 8px; color: var(--cyan); }
.card p { font-size: 0.9rem; margin-bottom: 16px; }
.card .price {
  font-size: 0.8rem;
  color: var(--grey);
  font-weight: 600;
  margin-top: 12px;
}

/* Service cards on home */
.service-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 32px 24px 24px;
  text-align: center;
  transition: transform var(--transition), box-shadow var(--transition);
  display: flex; flex-direction: column; align-items: center;
}
.service-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.service-card svg { width: 56px; height: 56px; margin-bottom: 16px; }
.service-card h3 { font-size: 1.1rem; margin-bottom: 8px; color: var(--cyan); }
.service-card p { font-size: 0.87rem; margin-bottom: 18px; flex: 1; }
.service-card .price { font-size: 0.78rem; color: var(--grey); margin-top: 10px; }

/* ── Page Heroes ─────────────────────────────────────────────── */
.page-hero {
  background: var(--bg);
  padding: 52px 0 44px;
  position: relative;
  overflow: hidden;
}
.page-hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
}
.page-hero-text { position: relative; z-index: 2; }
.page-hero-text h1 { margin-bottom: 14px; }
.page-hero-text p { font-size: 1rem; margin-bottom: 22px; max-width: 480px; }
.page-hero-text .hero-btns { justify-content: flex-start; }
.page-hero-img {
  position: relative;
  display: flex;
  align-items: flex-end;
  justify-content: center;
  min-height: 260px;
}
.page-hero-img svg { width: 100%; max-width: 460px; }

/* Feature badges under page hero */
.feature-badges {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  margin-top: 22px;
  padding-top: 18px;
  border-top: 1px solid var(--grey-light);
}
.feature-badge {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--navy);
}
.feature-badge svg { width: 16px; height: 16px; color: var(--cyan); }

/* ── Icon feature rows ───────────────────────────────────────── */
.feature-row {
  display: grid;
  grid-template-columns: repeat(4,1fr);
  gap: 24px;
  text-align: center;
}
.feature-item { padding: 24px 16px; }
.feature-item .fi-icon {
  width: 56px; height: 56px;
  border-radius: 50%;
  background: var(--bg);
  border: 2px solid var(--grey-light);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 14px;
}
.feature-item .fi-icon svg { width: 26px; height: 26px; color: var(--navy); }
.feature-item h4 { margin-bottom: 6px; }
.feature-item p { font-size: 0.85rem; }

/* ── How it works ────────────────────────────────────────────── */
.how-it-works {
  background: var(--bg);
  border-radius: var(--radius);
  padding: 40px;
  text-align: center;
}
.how-it-works h3 { margin-bottom: 36px; font-size: 1.4rem; }
.steps {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 12px;
}
.step {
  flex: 1;
  max-width: 200px;
  text-align: center;
}
.step-num {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--cyan);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-weight: 800;
  font-size: 1rem;
  margin: 0 auto 12px;
}
.step svg { width: 48px; height: 48px; margin: 8px auto 12px; }
.step h4 { margin-bottom: 6px; }
.step p { font-size: 0.85rem; }
.step-arrow {
  font-size: 1.5rem;
  color: var(--grey-mid);
  padding-top: 40px;
  flex-shrink: 0;
}

/* ── Dark CTA block ──────────────────────────────────────────── */
.cta-dark {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 36px 40px;
  display: flex;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
}
.cta-dark-text { flex: 1; }
.cta-dark-text h3 { color: var(--white); margin-bottom: 6px; }
.cta-dark-text p { color: rgba(255,255,255,0.7); font-size: 0.9rem; }
.cta-dark-checklist {
  flex: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px 24px;
}
.cta-dark-checklist li {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.85);
  display: flex;
  align-items: flex-start;
  gap: 7px;
}
.cta-dark-checklist li::before {
  content: '☐';
  color: var(--cyan);
  flex-shrink: 0;
  margin-top: 1px;
}

/* ── Tier grid (insurers) ────────────────────────────────────── */
.tier-box {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 28px 32px;
  margin-bottom: 20px;
}
.tier-header {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 20px;
}
.tier-badge {
  background: var(--cyan);
  color: var(--white);
  font-size: 0.7rem;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 20px;
  letter-spacing: 0.05em;
}
.insurer-logos {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  align-items: center;
}
.insurer-logo-pill {
  border: 2px solid var(--grey-light);
  border-radius: 8px;
  padding: 10px 22px;
  font-size: 0.9rem;
  font-weight: 800;
  color: var(--navy);
  background: var(--white);
  letter-spacing: 0.03em;
  transition: border-color var(--transition), background var(--transition);
}
.insurer-logo-pill:hover { border-color: var(--cyan); background: var(--cyan-light); }

/* ── Why independent ─────────────────────────────────────────── */
.why-independent {
  background: #fafbfd;
  border-radius: var(--radius);
  padding: 40px;
}
.why-independent-inner { display: grid; grid-template-columns: 1fr 2fr; gap: 48px; align-items: start; }
.why-points { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.why-point h4 { margin-bottom: 6px; }
.why-point p { font-size: 0.85rem; }

/* ── Policy pages ────────────────────────────────────────────── */
.policy-hero {
  background: var(--bg);
  padding: 52px 0 44px;
  position: relative;
  overflow: hidden;
}
.policy-hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
}
.policy-hero-text h1 { margin-bottom: 12px; }
.policy-hero-text h1 span { display: block; }
.policy-content {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 40px;
  margin-bottom: 24px;
}
.policy-section-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 24px;
  margin: 32px 0;
}
.policy-card {
  background: var(--bg);
  border-radius: var(--radius-sm);
  padding: 22px 18px;
}
.policy-card .pc-icon {
  width: 40px; height: 40px;
  background: var(--cyan-light);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 12px;
}
.policy-card .pc-icon svg { width: 20px; height: 20px; color: var(--cyan); }
.policy-card h4 { margin-bottom: 8px; }
.policy-card ul { margin-top: 8px; padding-left: 0; }
.policy-card ul li {
  font-size: 0.83rem;
  color: #4a5878;
  padding: 3px 0;
  display: flex;
  gap: 7px;
  align-items: flex-start;
}
.policy-card ul li::before { content: '•'; color: var(--cyan); flex-shrink: 0; }

/* Tags / badges */
.tag {
  display: inline-block;
  padding: 4px 12px;
  border-radius: 20px;
  font-size: 0.78rem;
  font-weight: 700;
  margin: 3px;
}
.tag-navy { background: var(--navy); color: var(--white); }
.tag-cyan { background: var(--cyan); color: var(--white); }
.tag-outline { border: 2px solid var(--grey-mid); color: var(--navy); }

/* Rights list */
.rights-list { list-style: none; }
.rights-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 7px 0;
  font-size: 0.9rem;
  border-bottom: 1px solid var(--grey-light);
}
.rights-list li:last-child { border-bottom: none; }
.rights-list li .check { color: var(--cyan); font-size: 1rem; flex-shrink: 0; }

/* ── Complaints ──────────────────────────────────────────────── */
.complaints-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 24px;
  margin: 40px 0;
}
.complaint-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 28px 22px;
}
.complaint-card .cc-icon {
  width: 48px; height: 48px;
  background: var(--cyan-light);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 14px;
}
.complaint-card .cc-icon svg { width: 24px; height: 24px; color: var(--cyan); }
.complaint-card h3 { margin-bottom: 10px; font-size: 1.05rem; }
.complaint-card p { font-size: 0.87rem; }

.contact-box {
  background: var(--bg);
  border-radius: var(--radius-sm);
  padding: 16px;
  margin-top: 14px;
  font-size: 0.85rem;
}
.contact-box strong { color: var(--navy); }
.contact-box .cbox-row {
  display: flex;
  align-items: center;
  gap: 7px;
  margin: 4px 0;
  font-size: 0.83rem;
}
.contact-box .cbox-row svg { width: 14px; height: 14px; color: var(--cyan); flex-shrink: 0; }

/* FOS box */
.fos-box {
  background: #f0fafc;
  border: 2px solid var(--cyan);
  border-radius: var(--radius-sm);
  padding: 14px 18px;
  margin-top: 10px;
}
.fos-box h4 { color: var(--navy); margin-bottom: 8px; }

/* Bottom complaints bar */
.complaints-about-bar {
  background: var(--bg);
  border-radius: var(--radius);
  padding: 28px 32px;
  display: flex;
  align-items: center;
  gap: 32px;
  margin-top: 32px;
}
.complaints-about-bar svg { width: 48px; height: 48px; color: var(--cyan); flex-shrink: 0; }
.complaints-about-bar h3 { margin-bottom: 4px; }
.complaints-about-bar p { font-size: 0.85rem; }

/* ── Terms of Business ───────────────────────────────────────── */
.terms-overview {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 20px;
  margin: 32px 0;
}
.terms-col {
  background: var(--bg);
  border-radius: var(--radius-sm);
  padding: 22px 18px;
}
.terms-col h4 {
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 14px;
  color: var(--grey);
}
.terms-col ol { padding-left: 0; counter-reset: terms-counter; }
.terms-col ol li {
  counter-increment: terms-counter;
  display: flex;
  gap: 10px;
  margin-bottom: 10px;
  font-size: 0.85rem;
}
.terms-col ol li::before {
  content: counter(terms-counter);
  background: var(--cyan);
  color: var(--white);
  width: 22px; height: 22px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.7rem;
  font-weight: 800;
  flex-shrink: 0;
  margin-top: 1px;
}
.terms-col ol li strong { display: block; margin-bottom: 2px; }
.terms-col ol li span { color: var(--grey); font-size: 0.8rem; }
.terms-see-more {
  color: var(--cyan);
  font-size: 0.85rem;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  margin-top: 10px;
}

.terms-details-section { margin: 40px 0; }
.terms-details-section h3 {
  margin-bottom: 20px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--grey-light);
}
.terms-details-section h4 { margin: 18px 0 8px; }
.terms-details-section p { font-size: 0.9rem; margin-bottom: 10px; }
.terms-details-section ul { padding-left: 0; margin: 8px 0; }
.terms-details-section ul li {
  font-size: 0.88rem;
  color: #4a5878;
  padding: 4px 0;
  display: flex;
  gap: 8px;
}
.terms-details-section ul li::before { content: '•'; color: var(--cyan); flex-shrink: 0; }

.fee-table {
  width: 100%;
  border-collapse: collapse;
  margin: 14px 0;
  font-size: 0.88rem;
}
.fee-table th {
  background: var(--navy);
  color: var(--white);
  padding: 10px 16px;
  text-align: left;
  font-size: 0.8rem;
}
.fee-table td {
  padding: 9px 16px;
  border-bottom: 1px solid var(--grey-light);
}
.fee-table tr:nth-child(even) td { background: var(--bg); }

/* ── Book a Review Form ──────────────────────────────────────── */
.review-cards {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 24px;
  margin: 36px 0;
}
.review-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 28px 22px;
  text-align: center;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
  border: 2px solid transparent;
  cursor: pointer;
}
.review-card:hover, .review-card.selected {
  border-color: var(--cyan);
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}
.review-card svg { width: 44px; height: 44px; color: var(--cyan); margin: 0 auto 14px; }
.review-card h3 { font-size: 1.1rem; margin-bottom: 8px; }
.review-card p { font-size: 0.87rem; }

.booking-form-box {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 40px;
}
.booking-form-box h3 { margin-bottom: 6px; }
.booking-form-box > p { margin-bottom: 24px; font-size: 0.9rem; }

/* ── Forms ───────────────────────────────────────────────────── */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group.full { grid-column: 1 / -1; }
.form-group label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: var(--navy);
}
.form-group input,
.form-group select,
.form-group textarea {
  padding: 12px 14px;
  border: 2px solid var(--grey-light);
  border-radius: var(--radius-sm);
  font-family: var(--font);
  font-size: 0.9rem;
  color: var(--navy);
  background: var(--white);
  transition: border-color var(--transition);
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { border-color: var(--cyan); }
.form-group textarea { min-height: 100px; resize: vertical; }
.form-note { font-size: 0.8rem; color: var(--grey); margin-bottom: 20px; }
.form-note a { color: var(--cyan); font-weight: 600; }

/* ── Footer ──────────────────────────────────────────────────── */
.footer {
  background: var(--white);
  border-top: 1px solid var(--grey-light);
  margin-top: 48px;
}
.footer-main {
  padding: 40px 0 32px;
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 48px;
}
.footer-contact a {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  font-size: 1rem;
  margin-bottom: 14px;
  color: var(--navy);
}
.footer-contact a:hover { color: var(--cyan); }
.footer-contact .email-icon, .footer-contact .social-icon {
  width: 38px; height: 38px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  transition: background var(--transition);
}
.footer-contact .email-icon:hover, .footer-contact .social-icon:hover { background: var(--cyan); }
.footer-contact .email-icon svg, .footer-contact .social-icon svg { width: 18px; height: 18px; }
.footer-socials { display: flex; gap: 8px; }

.footer-links {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 24px;
}
.footer-col h5 {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--grey);
  margin-bottom: 12px;
}
.footer-col a {
  display: block;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--navy);
  margin-bottom: 9px;
  transition: color var(--transition);
}
.footer-col a:hover { color: var(--cyan); }

.footer-bottom {
  border-top: 1px solid var(--grey-light);
  padding: 20px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.footer-bottom p {
  font-size: 0.78rem;
  color: var(--grey);
  line-height: 1.6;
}
.footer-biba {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}
.biba-logo-img {
  height: 128px;
  width: auto;
  display: block;
}

/* ── Phosphor Icons ──────────────────────────────────────────── */
/* Service cards — big decorative icons */
.service-card i[class*="ph-"] {
  font-size: 52px;
  color: var(--cyan);
  display: block;
  margin-bottom: 14px;
  line-height: 1;
}
/* Product cards header icons */
.pc-header i[class*="ph-"] {
  font-size: 30px;
  color: var(--cyan);
  flex-shrink: 0;
}
/* Feature row icons */
.fi-icon i[class*="ph-"] { font-size: 28px; }
/* Value/info card icons */
.card-icon i[class*="ph-"] {
  font-size: 34px;
  color: var(--cyan);
}
/* How-it-works step icons */
.step i[class*="ph-"] {
  font-size: 44px;
  color: var(--cyan);
  display: block;
  margin: 8px auto 6px;
}
/* Review card icons */
.review-card i[class*="ph-"] {
  font-size: 40px;
  color: var(--cyan);
  display: block;
  margin-bottom: 14px;
}
/* Contact info row icons */
.ci-row i[class*="ph-"] {
  font-size: 18px;
  color: var(--cyan);
  flex-shrink: 0;
}
/* Footer email icon */
.email-icon i[class*="ph-"] { font-size: 18px; }
/* Feature badge small icons */
.feature-badge i[class*="ph-"] { font-size: 14px; }
/* About "Get in touch" inline icons */
.about-contact-icon i[class*="ph-"] {
  font-size: 16px;
  color: var(--cyan);
}

/* ── Cookie Banner ───────────────────────────────────────────── */
.cookie-banner {
  position: fixed;
  bottom: 0; left: 0; right: 0;
  background: var(--navy);
  color: var(--white);
  padding: 16px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  z-index: 2000;
  box-shadow: 0 -4px 20px rgba(0,0,0,0.15);
  flex-wrap: wrap;
  transform: translateY(0);
  transition: transform 0.3s ease;
}
.cookie-banner.hidden { transform: translateY(100%); }
.cookie-banner p { font-size: 0.87rem; color: rgba(255,255,255,0.85); }
.cookie-banner a { color: var(--cyan); }
.cookie-btns { display: flex; gap: 10px; flex-shrink: 0; }

/* ── About page ──────────────────────────────────────────────── */
.about-hero {
  background: var(--bg);
  padding: 56px 0 48px;
  overflow: hidden;
  position: relative;
}
.about-hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}
.about-timeline {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 32px;
}
.timeline-item {
  display: flex;
  gap: 16px;
  margin-bottom: 20px;
}
.timeline-item:last-child { margin-bottom: 0; }
.timeline-dot {
  width: 12px; height: 12px;
  border-radius: 50%;
  background: var(--cyan);
  flex-shrink: 0;
  margin-top: 5px;
}
.timeline-content h4 { margin-bottom: 4px; }
.timeline-content p { font-size: 0.85rem; }

/* ── Insurer page CTA ────────────────────────────────────────── */
.insurer-cta {
  background: var(--navy);
  border-radius: var(--radius);
  padding: 44px 48px;
  text-align: center;
  color: var(--white);
  margin: 40px 0;
}
.insurer-cta h2 { color: var(--white); margin-bottom: 6px; }
.insurer-cta .accent { color: var(--cyan); }
.insurer-cta p { color: rgba(255,255,255,0.7); margin-bottom: 24px; }
.insurer-cta .btn-row { display: flex; gap: 14px; justify-content: center; align-items: center; flex-wrap: wrap; }
.insurer-cta .or { color: rgba(255,255,255,0.5); font-size: 0.85rem; }

/* ── Sub-page product cards ──────────────────────────────────── */
.product-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 24px 22px;
  transition: transform var(--transition), box-shadow var(--transition);
  cursor: default;
}
.product-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.product-card .pc-header {
  display: flex; align-items: center; gap: 14px;
  margin-bottom: 12px;
}
.product-card .pc-header svg { width: 36px; height: 36px; color: var(--cyan); flex-shrink: 0; }
.product-card .pc-header i[class*="ph-"] { font-size: 30px; color: var(--cyan); flex-shrink: 0; }
.product-card h3 { font-size: 1rem; margin-bottom: 0; }
.product-card p { font-size: 0.86rem; margin-bottom: 12px; }
.product-card .learn-more {
  color: var(--cyan);
  font-size: 0.82rem;
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  gap: 4px;
}

/* ── Cover options (tabs) ────────────────────────────────────── */
.cover-options {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 16px;
  margin: 28px 0;
}
.cover-opt {
  background: var(--white);
  border: 2px solid var(--grey-light);
  border-radius: var(--radius-sm);
  padding: 18px 16px;
  text-align: center;
}
.cover-opt svg { width: 32px; height: 32px; margin: 0 auto 10px; color: var(--cyan); }
.cover-opt h4 { margin-bottom: 6px; }
.cover-opt p { font-size: 0.8rem; }

/* ── Business sector pills ───────────────────────────────────── */
.sector-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 16px 0;
}
.sector-pill {
  background: var(--bg);
  border: 1px solid var(--grey-light);
  border-radius: 20px;
  padding: 6px 14px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--navy);
  transition: background var(--transition), border-color var(--transition);
}
.sector-pill:hover { background: var(--cyan-light); border-color: var(--cyan); color: var(--cyan); }

/* ── Three-col info section ──────────────────────────────────── */
.three-col-info {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 24px;
  margin: 32px 0;
}
.info-col {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 24px 20px;
}
.info-col h3 { font-size: 1rem; margin-bottom: 6px; }
.info-col .info-label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--cyan);
  margin-bottom: 8px;
}
.info-col ul { list-style: none; }
.info-col ul li {
  font-size: 0.83rem;
  color: #4a5878;
  padding: 5px 0;
  border-bottom: 1px solid var(--grey-light);
  display: flex;
  gap: 8px;
  align-items: flex-start;
}
.info-col ul li:last-child { border-bottom: none; }
.check-icon { color: var(--cyan); flex-shrink: 0; }
.x-icon { color: #e84040; flex-shrink: 0; }

/* ── Contact page ────────────────────────────────────────────── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 40px;
  margin-top: 36px;
}
.contact-info { display: flex; flex-direction: column; gap: 20px; }
.contact-info-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 24px 22px;
}
.contact-info-card h4 { margin-bottom: 10px; }
.contact-info-card .ci-row {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.88rem;
  margin-bottom: 8px;
  color: var(--navy);
}
.contact-info-card .ci-row svg { width: 18px; height: 18px; color: var(--cyan); flex-shrink: 0; }
.contact-info-card a:hover { color: var(--cyan); }
.contact-form-box {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 36px 32px;
}
.contact-form-box h2 { margin-bottom: 6px; }
.contact-form-box > p { font-size: 0.9rem; margin-bottom: 24px; }

/* ── Utility ─────────────────────────────────────────────────── */
.text-center { text-align: center; }
.text-cyan { color: var(--cyan); }
.text-grey { color: var(--grey); }
.mb-0 { margin-bottom: 0; }
.mb-8 { margin-bottom: 8px; }
.mb-12 { margin-bottom: 12px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.mb-40 { margin-bottom: 40px; }
.mt-8 { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mt-40 { margin-top: 40px; }
.divider { border: none; border-top: 1px solid var(--grey-light); margin: 32px 0; }

/* Highlight box */
.highlight-box {
  background: var(--cyan-light);
  border-left: 4px solid var(--cyan);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 14px 18px;
  margin: 16px 0;
  font-size: 0.9rem;
}
.info-notice {
  background: #fff8e1;
  border: 1px solid #f5c842;
  border-radius: var(--radius-sm);
  padding: 12px 16px;
  font-size: 0.85rem;
  display: flex;
  gap: 8px;
  align-items: flex-start;
}
.info-notice svg { width: 16px; height: 16px; color: #e6a800; flex-shrink: 0; margin-top: 2px; }

/* ── Responsive ──────────────────────────────────────────────── */
@media (max-width: 1024px) {
  .grid-6 { grid-template-columns: repeat(3,1fr); }
  .grid-4 { grid-template-columns: repeat(2,1fr); }
  .feature-row { grid-template-columns: repeat(2,1fr); }
  .policy-section-grid { grid-template-columns: 1fr 1fr; }
  .terms-overview { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  h1 { font-size: 1.8rem; }
  h2 { font-size: 1.4rem; }
  .nav-links, .nav-right .btn { display: none; }
  .hamburger { display: flex; }
  .nav-logo { margin: 0; }
  .nav-logo-img { height: 54px; }
  .nav-inner { justify-content: space-between; }
  .nav-right { margin-left: 0; }
  .hero-text-layer { padding-top: 40px; }
  .section { padding: 48px 0; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .grid-6 { grid-template-columns: repeat(2, 1fr); }
  .feature-row { grid-template-columns: 1fr 1fr; }
  .page-hero-inner { grid-template-columns: 1fr; }
  .page-hero-img { display: none; }
  .policy-hero-inner { grid-template-columns: 1fr; }
  .footer-main { grid-template-columns: 1fr; }
  .footer-links { grid-template-columns: 1fr 1fr; }
  .cta-dark { flex-direction: column; }
  .cta-dark-checklist { grid-template-columns: 1fr; }
  .why-independent-inner { grid-template-columns: 1fr; }
  .why-points { grid-template-columns: 1fr; }
  .about-hero-inner { grid-template-columns: 1fr; }
  .review-cards { grid-template-columns: 1fr; }
  .booking-form-box { padding: 24px 20px; }
  .form-grid { grid-template-columns: 1fr; }
  .form-group.full { grid-column: 1; }
  .contact-grid { grid-template-columns: 1fr; }
  .complaints-grid { grid-template-columns: 1fr; }
  .three-col-info { grid-template-columns: 1fr; }
  .cover-options { grid-template-columns: 1fr 1fr; }
  .steps { flex-direction: column; align-items: center; }
  .step-arrow { display: none; }
  .policy-section-grid { grid-template-columns: 1fr; }
  .insurer-cta { padding: 32px 24px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .cookie-banner { flex-direction: column; }
  .feature-badges { flex-direction: column; gap: 10px; }
  .terms-overview { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  .container { padding: 0 18px; }
  .hero-content { padding: 0 8px; }
  .how-it-works { padding: 24px 16px; }
  .cover-options { grid-template-columns: 1fr; }
  .feature-row { grid-template-columns: 1fr; }
  .footer-links { grid-template-columns: 1fr; }
}

/* ── Property Owners special ─────────────────────────────────── */
.property-types-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin: 28px 0;
}
.property-type-card {
  background: var(--white);
  border-radius: var(--radius-sm);
  border: 2px solid var(--grey-light);
  padding: 22px 18px;
  transition: border-color var(--transition);
}
.property-type-card:hover { border-color: var(--cyan); }
.property-type-card svg { width: 32px; height: 32px; color: var(--cyan); margin-bottom: 10px; }
.property-type-card h4 { margin-bottom: 6px; }
.property-type-card p { font-size: 0.83rem; }

.landlord-legal-box {
  background: #f0fafc;
  border-radius: var(--radius);
  padding: 32px;
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 24px;
  margin: 28px 0;
}
.llb-section h4 { margin-bottom: 10px; }
.llb-section p { font-size: 0.85rem; }
.llb-section ul { margin-top: 8px; }
.llb-section ul li {
  font-size: 0.82rem;
  color: #4a5878;
  padding: 3px 0;
  display: flex; gap: 7px;
}
.llb-section ul li::before { content: '✓'; color: var(--cyan); }

/* ── Fleet types ─────────────────────────────────────────────── */
.fleet-types-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin: 28px 0;
}
.fleet-type-card {
  background: var(--white);
  border-radius: var(--radius-sm);
  border: 1px solid var(--grey-light);
  padding: 20px 16px;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.fleet-type-card:hover { border-color: var(--cyan); box-shadow: var(--shadow); }
.fleet-type-card svg { width: 40px; height: 40px; color: var(--navy); margin-bottom: 10px; }
.fleet-type-card h4 { margin-bottom: 6px; }
.fleet-type-card p { font-size: 0.82rem; }

/* ── Cover level cards ───────────────────────────────────────── */
.cover-level-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 16px;
  margin: 20px 0;
}
.cover-level-card {
  background: var(--white);
  border-radius: var(--radius-sm);
  padding: 18px 16px;
  border: 2px solid var(--grey-light);
  text-align: left;
}
.cover-level-card .clc-icon { margin-bottom: 8px; }
.cover-level-card .clc-icon svg { width: 28px; height: 28px; }
.cover-level-card h4 { margin-bottom: 6px; font-size: 0.95rem; }
.cover-level-card p { font-size: 0.82rem; }

/* ── PI profession cards ─────────────────────────────────────── */
.profession-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 20px;
  margin: 28px 0;
}
.profession-card {
  background: var(--white);
  border-radius: var(--radius-sm);
  border: 1px solid var(--grey-light);
  padding: 22px 18px;
  transition: border-color var(--transition);
}
.profession-card:hover { border-color: var(--cyan); }
.profession-card svg { width: 32px; height: 32px; color: var(--cyan); margin-bottom: 10px; }
.profession-card h4 { margin-bottom: 6px; }
.profession-card p { font-size: 0.83rem; }

/* ── And More travel grid ────────────────────────────────────── */
.travel-grid {
  display: grid;
  grid-template-columns: repeat(4,1fr);
  gap: 16px;
  margin: 28px 0;
}
.travel-card {
  background: var(--white);
  border-radius: var(--radius-sm);
  border: 1px solid var(--grey-light);
  padding: 18px 14px;
  text-align: center;
  transition: border-color var(--transition);
}
.travel-card:hover { border-color: var(--cyan); }
.travel-card svg { width: 32px; height: 32px; color: var(--cyan); margin: 0 auto 10px; }
.travel-card h4 { font-size: 0.9rem; margin-bottom: 4px; }
.travel-card p { font-size: 0.78rem; }

/* ── More products bottom grid ───────────────────────────────── */
.more-bottom-grid {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 20px;
  margin: 28px 0;
}
.more-bottom-card {
  background: var(--white);
  border-radius: var(--radius-sm);
  border-top: 4px solid var(--cyan);
  box-shadow: var(--shadow);
  padding: 22px 18px;
}
.more-bottom-card .mbc-label {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--cyan);
  margin-bottom: 6px;
}
.more-bottom-card h4 { margin-bottom: 8px; }
.more-bottom-card p { font-size: 0.83rem; margin-bottom: 10px; }
.more-bottom-card ul { list-style: none; }
.more-bottom-card ul li {
  font-size: 0.8rem;
  color: #4a5878;
  padding: 3px 0;
  display: flex; gap: 6px;
}
.more-bottom-card ul li::before { content: '✓'; color: var(--cyan); }

@media (max-width: 768px) {
  .property-types-grid { grid-template-columns: 1fr 1fr; }
  .landlord-legal-box { grid-template-columns: 1fr; }
  .fleet-types-grid { grid-template-columns: 1fr 1fr; }
  .cover-level-grid { grid-template-columns: 1fr; }
  .profession-grid { grid-template-columns: 1fr 1fr; }
  .travel-grid { grid-template-columns: 1fr 1fr; }
  .more-bottom-grid { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .property-types-grid { grid-template-columns: 1fr; }
  .fleet-types-grid { grid-template-columns: 1fr; }
  .profession-grid { grid-template-columns: 1fr; }
  .travel-grid { grid-template-columns: 1fr 1fr; }
}