/* ==========================================================================
   Infinity Life Financial Services - Modern Pure CSS3 Stylesheet
   Supports Light Mode (Default) & Dark Mode via [data-theme="dark"]
   ========================================================================== */

:root {
  --font-family: 'Plus Jakarta Sans', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  
  /* Light Theme Palette (Default) */
  --bg-primary: #ffffff;
  --bg-secondary: #f8fafc;
  --bg-tertiary: #f1f5f9;
  --bg-card: #ffffff;
  --bg-card-hover: #fcfcfd;
  --bg-modal-overlay: rgba(15, 23, 42, 0.75);
  
  --text-primary: #0f172a;
  --text-secondary: #334155;
  --text-muted: #64748b;
  --text-on-accent: #0f172a;
  
  --border-subtle: #e2e8f0;
  --border-medium: #cbd5e1;
  --border-focus: #f59e0b;
  
  --accent-gold: #f59e0b;
  --accent-gold-hover: #d97706;
  --accent-gold-light: #fef3c7;
  --accent-gold-text: #b45309;
  
  --accent-teal: #0f766e;
  --accent-teal-light: #ccfbf1;
  --accent-emerald: #059669;
  --accent-emerald-light: #d1fae5;
  
  --shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 12px -2px rgba(0, 0, 0, 0.08);
  --shadow-lg: 0 12px 28px -6px rgba(0, 0, 0, 0.12);
  --shadow-xl: 0 20px 35px -8px rgba(0, 0, 0, 0.18);
  
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --radius-full: 9999px;
  
  --container-max: 1200px;
  --transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

[data-theme="dark"] {
  --bg-primary: #090d16;
  --bg-secondary: #0f172a;
  --bg-tertiary: #1e293b;
  --bg-card: #141e33;
  --bg-card-hover: #1a2742;
  --bg-modal-overlay: rgba(0, 0, 0, 0.85);
  
  --text-primary: #f8fafc;
  --text-secondary: #cbd5e1;
  --text-muted: #94a3b8;
  --text-on-accent: #0f172a;
  
  --border-subtle: #1e293b;
  --border-medium: #334155;
  --border-focus: #fbbf24;
  
  --accent-gold: #fbbf24;
  --accent-gold-hover: #f59e0b;
  --accent-gold-light: rgba(251, 191, 36, 0.15);
  --accent-gold-text: #fde68a;
  
  --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.3);
  --shadow-md: 0 4px 14px rgba(0, 0, 0, 0.4);
  --shadow-lg: 0 14px 30px rgba(0, 0, 0, 0.5);
  --shadow-xl: 0 24px 45px rgba(0, 0, 0, 0.65);
}

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

html {
  scroll-behavior: smooth;
  font-family: var(--font-family);
  background-color: var(--bg-primary);
  color: var(--text-primary);
  -webkit-font-smoothing: antialiased;
}

body {
  min-height: 100vh;
  line-height: 1.6;
  overflow-x: hidden;
  transition: background-color 0.3s ease, color 0.3s ease;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
  transition: var(--transition);
}

button, input, select, textarea {
  font-family: inherit;
  font-size: inherit;
  border: none;
  outline: none;
}

.container {
  width: 100%;
  max-width: var(--container-max);
  margin-left: auto;
  margin-right: auto;
  padding-left: 20px;
  padding-right: 20px;
}

/* ==========================================================================
   Header & Navigation
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background-color: var(--bg-primary);
  border-bottom: 1px solid var(--border-subtle);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  padding: 14px 0;
  transition: var(--transition);
}

.site-header.scrolled {
  box-shadow: var(--shadow-sm);
  padding: 10px 0;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand-link {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}

.brand-icon-box {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, #f59e0b, #d97706);
  padding: 2px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.brand-icon-inner {
  width: 100%;
  height: 100%;
  background: #0f172a;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fbbf24;
}

.brand-text {
  display: flex;
  flex-direction: column;
}

.brand-title {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--text-primary);
  line-height: 1.1;
  letter-spacing: -0.02em;
}

.brand-subtitle {
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--accent-gold-text);
  line-height: 1;
  margin-top: 2px;
}

.desktop-nav {
  display: flex;
  align-items: center;
  gap: 28px;
}

.nav-link {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-secondary);
  white-space: nowrap;
}

.nav-link:hover {
  color: var(--accent-gold-hover);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}

.phone-quick-link {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--text-secondary);
  padding: 6px 10px;
  border-radius: var(--radius-full);
}

.phone-quick-link:hover {
  color: var(--accent-gold-hover);
}

.icon-btn {
  width: 36px;
  height: 36px;
  border-radius: var(--radius-full);
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-subtle);
  color: var(--text-secondary);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: var(--transition);
}

.icon-btn:hover {
  background-color: var(--bg-tertiary);
  color: var(--text-primary);
}

.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background-color: var(--accent-gold);
  color: var(--text-on-accent);
  font-size: 0.88rem;
  font-weight: 700;
  padding: 10px 20px;
  border-radius: var(--radius-full);
  cursor: pointer;
  box-shadow: 0 4px 14px rgba(245, 158, 11, 0.25);
  transition: var(--transition);
  white-space: nowrap;
}

.btn-primary:hover {
  background-color: var(--accent-gold-hover);
  transform: translateY(-1px);
}

.btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background-color: var(--bg-card);
  color: var(--text-primary);
  border: 1px solid var(--border-medium);
  font-size: 0.88rem;
  font-weight: 600;
  padding: 10px 20px;
  border-radius: var(--radius-full);
  cursor: pointer;
  transition: var(--transition);
  white-space: nowrap;
}

.btn-outline:hover {
  background-color: var(--bg-secondary);
  border-color: var(--accent-gold);
}

.mobile-menu-btn {
  display: none;
}

/* ==========================================================================
   Hero Section & Interactive Hotspots
   ========================================================================== */
.hero-section {
  position: relative;
  padding: 60px 0 80px;
  background: linear-gradient(180deg, var(--bg-secondary) 0%, var(--bg-primary) 100%);
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

.trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--accent-teal);
  background-color: var(--accent-teal-light);
  padding: 6px 14px;
  border-radius: var(--radius-full);
  margin-bottom: 20px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.hero-title {
  font-size: clamp(2.2rem, 4vw, 3.4rem);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.03em;
  color: var(--text-primary);
  margin-bottom: 20px;
}

.hero-title .highlight {
  color: var(--accent-gold-hover);
  background: linear-gradient(135deg, #d97706, #f59e0b);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-lede {
  font-size: 1.05rem;
  color: var(--text-secondary);
  margin-bottom: 14px;
  line-height: 1.65;
}

.hero-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: 28px;
  flex-wrap: wrap;
}

.guarantees-strip {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin-top: 36px;
  padding-top: 24px;
  border-top: 1px solid var(--border-subtle);
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text-secondary);
}

.guarantee-item {
  display: flex;
  align-items: center;
  gap: 6px;
}

.guarantee-item svg {
  color: var(--accent-emerald);
  flex-shrink: 0;
}

/* Hero Image Card */
.hero-image-card {
  position: relative;
  background-color: var(--bg-card);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
  aspect-ratio: 16 / 11;
}

.hero-image-card picture,
.hero-image-card .hero-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

/* ==========================================================================
   Section: Why Choose Life Insurance & Modern Floating Icons
   ========================================================================== */
.section {
  padding: 80px 0;
  position: relative;
}

.section-muted {
  background-color: var(--bg-secondary);
}

.section-header {
  max-width: 680px;
  margin-bottom: 48px;
}

.section-kicker {
  font-size: 0.78rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--accent-gold-text);
  margin-bottom: 8px;
  display: flex;
  align-items: center;
  gap: 6px;
}

.section-title {
  font-size: clamp(1.8rem, 3.2vw, 2.6rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--text-primary);
  margin-bottom: 16px;
  line-height: 1.2;
}

.section-desc {
  font-size: 1rem;
  color: var(--text-secondary);
  line-height: 1.6;
}

/* 3 Core Cards */
.cards-triad {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-bottom: 56px;
}

.feature-card {
  background-color: var(--bg-card);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-xl);
  padding: 32px 28px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--accent-gold);
}

.card-icon-wrap {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

.card-icon-gold {
  background-color: var(--accent-gold-light);
  color: var(--accent-gold-hover);
}

.card-icon-teal {
  background-color: var(--accent-teal-light);
  color: var(--accent-teal);
}

.card-icon-emerald {
  background-color: var(--accent-emerald-light);
  color: var(--accent-emerald);
}

.card-title {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 12px;
  line-height: 1.3;
}

.card-divider {
  width: 36px;
  height: 3px;
  background-color: var(--accent-gold);
  border-radius: 2px;
  margin-bottom: 14px;
}

.card-text {
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.6;
  margin-bottom: 24px;
}

.card-action {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--accent-gold-text);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  cursor: pointer;
}

.card-action:hover {
  color: var(--accent-gold-hover);
  gap: 9px;
}

/* Modern Floating Icons Showcase Container */
.floating-showcase {
  background: var(--bg-card);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-xl);
  padding: 36px;
  box-shadow: var(--shadow-md);
}

.showcase-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-bottom: 24px;
  margin-bottom: 24px;
  border-bottom: 1px solid var(--border-subtle);
  flex-wrap: wrap;
  gap: 16px;
}

.showcase-title-box h3 {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--text-primary);
}

.showcase-title-box p {
  font-size: 0.85rem;
  color: var(--text-muted);
}

.floating-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 16px;
  margin-bottom: 24px;
}

.floating-badge-item {
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 18px 12px;
  text-align: center;
  cursor: pointer;
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
}

/* Gentle Modern Floating Keyframes */
.float-1 { animation: float-slow 6s ease-in-out infinite; }
.float-2 { animation: float-reverse 7s ease-in-out infinite; animation-delay: 0.4s; }
.float-3 { animation: float-slow 6.5s ease-in-out infinite; animation-delay: 0.8s; }
.float-4 { animation: float-reverse 7.5s ease-in-out infinite; animation-delay: 1.2s; }
.float-5 { animation: float-slow 6.2s ease-in-out infinite; animation-delay: 1.6s; }
.float-6 { animation: float-reverse 6.8s ease-in-out infinite; animation-delay: 2s; }

.floating-badge-item:hover,
.floating-badge-item.active {
  background-color: var(--bg-card);
  border-color: var(--accent-gold);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.badge-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
}

.badge-label {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--text-primary);
  line-height: 1.2;
}

.badge-cat {
  font-size: 0.68rem;
  color: var(--text-muted);
}

.pillar-detail-card {
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 18px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}

.pillar-detail-left {
  display: flex;
  align-items: center;
  gap: 16px;
}

/* ==========================================================================
   Section: Policy Options Comparison
   ========================================================================== */
.policy-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

.policy-tabs-bar {
  display: flex;
  background-color: var(--bg-secondary);
  padding: 4px;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-subtle);
  gap: 4px;
  margin-bottom: 20px;
}

.policy-tab-item {
  flex: 1;
  padding: 10px;
  text-align: center;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--text-muted);
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: var(--transition);
}

.policy-tab-item.active {
  background-color: var(--accent-gold);
  color: #0f172a;
}

.policy-detail-box {
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-xl);
  padding: 28px;
}

.policy-feature-list {
  list-style: none;
  margin: 18px 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.policy-feature-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.88rem;
  color: var(--text-secondary);
}

.policy-feature-list li svg {
  color: var(--accent-emerald);
  flex-shrink: 0;
  margin-top: 3px;
}

/* ==========================================================================
   FAQ Section & Accordion
   ========================================================================== */
.faq-container {
  max-width: 800px;
  margin: 0 auto;
}

.faq-search-box {
  position: relative;
  max-width: 440px;
  margin: 0 auto 36px;
}

.faq-search-input {
  width: 100%;
  padding: 12px 20px 12px 42px;
  border-radius: var(--radius-full);
  background-color: var(--bg-card);
  border: 1px solid var(--border-medium);
  color: var(--text-primary);
  font-size: 0.88rem;
  transition: var(--transition);
}

.faq-search-input:focus {
  border-color: var(--accent-gold);
  box-shadow: 0 0 0 3px rgba(245, 158, 11, 0.15);
}

.faq-search-icon {
  position: absolute;
  left: 14px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--text-muted);
}

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  position: relative;
  background-color: var(--bg-card);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: var(--transition);
}

.faq-item:hover {
  border-color: var(--border-medium);
}

.faq-item.open {
  border-color: var(--accent-gold);
  box-shadow: var(--shadow-sm);
}

.faq-item-border {
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 4px;
  background-color: transparent;
  transition: var(--transition);
}

.faq-item.open .faq-item-border {
  background-color: var(--accent-gold);
}

.faq-question-btn {
  width: 100%;
  padding: 18px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  background: none;
  border: none;
  text-align: left;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text-primary);
  cursor: pointer;
}

.faq-chevron {
  width: 28px;
  height: 28px;
  border-radius: var(--radius-full);
  background-color: var(--bg-secondary);
  color: var(--text-muted);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: transform 0.3s ease;
}

.faq-item.open .faq-chevron {
  transform: rotate(90deg);
  background-color: var(--accent-gold);
  color: #0f172a;
}

.faq-answer {
  display: none;
  padding: 0 24px 20px;
  font-size: 0.88rem;
  color: var(--text-secondary);
  line-height: 1.6;
}

.faq-item.open .faq-answer {
  display: block;
}

/* ==========================================================================
   Cleaned-Up Contact Form (Footer & Modal)
   ========================================================================== */
.contact-form-card {
  background-color: var(--bg-card);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-xl);
  padding: 32px;
  box-shadow: var(--shadow-lg);
}

.form-header {
  margin-bottom: 20px;
}

.form-kicker {
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--accent-gold-text);
}

.form-title {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--text-primary);
  margin-top: 2px;
}

.form-desc {
  font-size: 0.82rem;
  color: var(--text-muted);
  margin-top: 4px;
}

.policy-chips {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 16px;
}

.chip-btn {
  font-size: 0.75rem;
  font-weight: 600;
  padding: 6px 12px;
  border-radius: var(--radius-sm);
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-subtle);
  color: var(--text-secondary);
  cursor: pointer;
  transition: var(--transition);
}

.chip-btn:hover,
.chip-btn.selected {
  background-color: var(--accent-gold);
  border-color: var(--accent-gold);
  color: #0f172a;
}

.form-group {
  position: relative;
  margin-bottom: 14px;
}

.form-input,
.form-textarea {
  width: 100%;
  padding: 12px 16px 12px 42px;
  border-radius: var(--radius-md);
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-subtle);
  color: var(--text-primary);
  font-size: 0.88rem;
  transition: var(--transition);
}

.form-textarea {
  resize: vertical;
  min-height: 85px;
  padding-left: 42px;
}

.form-input:focus,
.form-textarea:focus {
  background-color: var(--bg-card);
  border-color: var(--accent-gold);
  box-shadow: 0 0 0 3px rgba(245, 158, 11, 0.15);
}

.input-icon {
  position: absolute;
  left: 14px;
  top: 14px;
  color: var(--text-muted);
  pointer-events: none;
}

.form-security-bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 8px 12px;
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-sm);
  font-size: 0.72rem;
  color: var(--text-muted);
  margin-bottom: 16px;
}

.security-left {
  display: flex;
  align-items: center;
  gap: 6px;
  color: var(--accent-emerald);
}

.btn-submit {
  width: 100%;
  padding: 14px;
  border-radius: var(--radius-md);
  background-color: var(--accent-gold);
  color: #0f172a;
  font-size: 0.95rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  cursor: pointer;
  box-shadow: 0 4px 14px rgba(245, 158, 11, 0.2);
  transition: var(--transition);
}

.btn-submit:hover {
  background-color: var(--accent-gold-hover);
  transform: translateY(-1px);
}

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer {
  background-color: var(--bg-secondary);
  border-top: 1px solid var(--border-subtle);
  padding: 70px 0 30px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.9fr 1.3fr;
  gap: 48px;
  margin-bottom: 48px;
}

.footer-bio p {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.6;
  margin: 16px 0;
}

.contact-info-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.contact-item-label {
  font-size: 0.68rem;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 2px;
}

.contact-item-value {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-primary);
}

.contact-item-value:hover {
  color: var(--accent-gold-hover);
}

.hostinger-banner {
  background: var(--bg-card);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 18px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  margin-bottom: 36px;
  flex-wrap: wrap;
}

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 24px;
  border-top: 1px solid var(--border-subtle);
  font-size: 0.78rem;
  color: var(--text-muted);
  flex-wrap: wrap;
  gap: 12px;
}

/* ==========================================================================
   Modal Dialogs
   ========================================================================== */
.modal-overlay {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 100;
  background-color: var(--bg-modal-overlay);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  transition: opacity 0.25s ease;
}

.modal-overlay.active {
  display: flex;
  opacity: 1;
}

.modal-dialog {
  background-color: var(--bg-card);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-xl);
  max-width: 620px;
  width: 100%;
  max-height: 90vh;
  overflow-y: auto;
  box-shadow: var(--shadow-xl);
  position: relative;
  transform: scale(0.95);
  transition: transform 0.25s ease;
}

.modal-overlay.active .modal-dialog {
  transform: scale(1);
}

.modal-header {
  background: linear-gradient(135deg, #0f172a, #1e293b);
  color: #ffffff;
  padding: 28px;
  position: relative;
}

.modal-close-btn {
  position: absolute;
  top: 20px;
  right: 20px;
  width: 32px;
  height: 32px;
  border-radius: var(--radius-full);
  background: rgba(255, 255, 255, 0.1);
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  border: none;
}

.modal-close-btn:hover {
  background: rgba(255, 255, 255, 0.2);
}

.modal-body {
  padding: 28px;
}

/* ==========================================================================
   Toast Notification System
   ========================================================================== */
#toast-container {
  position: fixed;
  top: 20px;
  right: 20px;
  z-index: 120;
  display: flex;
  flex-direction: column;
  gap: 10px;
  max-width: 380px;
  width: calc(100% - 40px);
  pointer-events: none;
}

.toast {
  pointer-events: auto;
  background-color: var(--bg-card);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-md);
  padding: 14px 18px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: flex-start;
  gap: 12px;
  animation: slide-in 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  transition: var(--transition);
}

.toast-icon {
  color: var(--accent-gold);
  flex-shrink: 0;
  margin-top: 2px;
}

.toast-content h4 {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--text-primary);
}

.toast-content p {
  font-size: 0.78rem;
  color: var(--text-secondary);
  margin-top: 2px;
}

.toast-close {
  margin-left: auto;
  background: none;
  border: none;
  color: var(--text-muted);
  cursor: pointer;
  padding: 2px;
}

/* ==========================================================================
   Floating Usability Dock
   ========================================================================== */
.floating-dock {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 40;
  display: flex;
  align-items: center;
  gap: 8px;
  background-color: var(--bg-card);
  border: 1px solid var(--border-medium);
  padding: 6px 10px;
  border-radius: var(--radius-full);
  box-shadow: var(--shadow-lg);
  backdrop-filter: blur(12px);
  transform: translateY(100px);
  opacity: 0;
  transition: transform 0.3s ease, opacity 0.3s ease;
}

.floating-dock.visible {
  transform: translateY(0);
  opacity: 1;
}

/* Animations */
@keyframes pulse-ring {
  0% { transform: scale(0.95); opacity: 0.8; }
  70% { transform: scale(1.3); opacity: 0; }
  100% { transform: scale(0.95); opacity: 0; }
}

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

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

@keyframes slide-in {
  from { transform: translateX(100%); opacity: 0; }
  to { transform: translateX(0); opacity: 1; }
}

/* Responsive Media Queries */
@media (max-width: 991px) {
  .hero-grid, .policy-grid, .footer-grid {
    grid-template-columns: 1fr;
    gap: 36px;
  }
  .cards-triad {
    grid-template-columns: 1fr;
  }
  .floating-grid {
    grid-template-columns: repeat(3, 1fr);
  }
  .desktop-nav {
    display: none;
  }
  .mobile-menu-btn {
    display: flex;
  }
}

@media (max-width: 640px) {
  .floating-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .guarantees-strip {
    grid-template-columns: 1fr;
  }
}