/* ===========================================================
   Policy Holder Cover — main stylesheet
   Palette: Indigo #12337A · Amber #FFB020 · Teal #12B3A6 · Coral #FF5C6C
   =========================================================== */

:root {
  --phc-indigo: #12337a;
  --phc-indigo-deep: #0a2154;
  --phc-indigo-soft: #2f4fa8;
  --phc-amber: #ffb020;
  --phc-amber-deep: #f09000;
  --phc-teal: #12b3a6;
  --phc-teal-soft: #e2f8f6;
  --phc-coral: #ff5c6c;
  --phc-cream: #fff9ee;
  --phc-ink: #101c3d;
  --phc-slate: #5a6785;
  --phc-line: #e6e9f2;
  --phc-white: #ffffff;

  --phc-radius: 18px;
  --phc-radius-sm: 12px;
  --phc-shadow: 0 18px 45px rgba(16, 28, 61, 0.10);
  --phc-shadow-lg: 0 28px 70px rgba(16, 28, 61, 0.18);
  --phc-transition: all 0.35s cubic-bezier(0.22, 0.61, 0.36, 1);
}

/* ---------- Base ---------- */
* { -webkit-tap-highlight-color: transparent; }

body {
  font-family: "Plus Jakarta Sans", "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--phc-ink);
  background: var(--phc-white);
  line-height: 1.7;
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6, .phc-display {
  font-family: "Playfair Display", Georgia, "Times New Roman", serif;
  font-weight: 700;
  color: var(--phc-ink);
  letter-spacing: -0.01em;
  line-height: 1.2;
}

p { color: var(--phc-slate); }
a { text-decoration: none; transition: var(--phc-transition); }
img { max-width: 100%; }

::selection { background: var(--phc-amber); color: var(--phc-indigo-deep); }

.section { padding: 88px 0; }
.section-sm { padding: 60px 0; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 0.76rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--phc-teal);
  margin-bottom: 14px;
}
.eyebrow::before {
  content: "";
  width: 34px;
  height: 3px;
  border-radius: 99px;
  background: var(--phc-amber);
}
.eyebrow.on-dark { color: var(--phc-amber); }

.section-title { font-size: clamp(1.9rem, 3.4vw, 2.7rem); margin-bottom: 14px; }
.section-lead { font-size: 1.03rem; max-width: 660px; }
.text-phc-slate { color: var(--phc-slate) !important; }
.text-phc-teal { color: var(--phc-teal) !important; }
.text-phc-amber { color: var(--phc-amber) !important; }
.bg-phc-cream { background: var(--phc-cream); }
.bg-phc-soft { background: linear-gradient(180deg, #f7f9fd 0%, #ffffff 100%); }

/* ---------- Buttons ---------- */
.btn { border-radius: 999px; font-weight: 700; padding: 0.72rem 1.7rem; font-size: 0.94rem; letter-spacing: 0.01em; }
.btn-lg { padding: 0.95rem 2.2rem; font-size: 1rem; }
.btn-sm { padding: 0.5rem 1.25rem; font-size: 0.85rem; }

.btn-amber {
  background: linear-gradient(120deg, var(--phc-amber) 0%, var(--phc-amber-deep) 100%);
  color: #23160a;
  border: none;
  box-shadow: 0 12px 26px rgba(255, 176, 32, 0.34);
}
.btn-amber:hover, .btn-amber:focus {
  background: linear-gradient(120deg, var(--phc-amber-deep) 0%, #d97c00 100%);
  color: #fff;
  transform: translateY(-3px);
  box-shadow: 0 16px 34px rgba(240, 144, 0, 0.42);
}

.btn-indigo {
  background: linear-gradient(120deg, var(--phc-indigo-soft) 0%, var(--phc-indigo) 100%);
  color: #fff;
  border: none;
  box-shadow: 0 12px 26px rgba(18, 51, 122, 0.28);
}
.btn-indigo:hover, .btn-indigo:focus { background: var(--phc-indigo-deep); color: #fff; transform: translateY(-3px); }

.btn-teal {
  background: linear-gradient(120deg, var(--phc-teal) 0%, #0b8c82 100%);
  color: #fff; border: none; box-shadow: 0 12px 26px rgba(18, 179, 166, 0.32);
}
.btn-teal:hover, .btn-teal:focus { background: #0b8c82; color: #fff; transform: translateY(-3px); }

.btn-ghost {
  background: rgba(255, 255, 255, 0.10);
  border: 2px solid rgba(255, 255, 255, 0.55);
  color: #fff;
  backdrop-filter: blur(6px);
}
.btn-ghost:hover { background: #fff; color: var(--phc-indigo); border-color: #fff; transform: translateY(-3px); }

.btn-outline-ink { border: 2px solid var(--phc-line); color: var(--phc-ink); background: #fff; }
.btn-outline-ink:hover { border-color: var(--phc-indigo); background: var(--phc-indigo); color: #fff; }

/* ---------- Top bar ---------- */
.topbar {
  background: var(--phc-indigo-deep);
  color: #cdd8f3;
  font-size: 0.82rem;
  padding: 9px 0;
}
.topbar a { color: #fff; }
.topbar a:hover { color: var(--phc-amber); }
.topbar .sep { opacity: 0.35; margin: 0 10px; }

/* ---------- Navbar ---------- */
.navbar-phc {
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(12px);
  box-shadow: 0 6px 26px rgba(16, 28, 61, 0.07);
  padding: 14px 0;
  transition: var(--phc-transition);
}
.navbar-phc.scrolled { padding: 8px 0; box-shadow: 0 10px 34px rgba(16, 28, 61, 0.13); }

.brand-mark {
  width: 44px; height: 44px; border-radius: 13px;
  display: grid; place-items: center; flex: 0 0 auto;
  background: linear-gradient(135deg, var(--phc-indigo) 0%, var(--phc-indigo-soft) 55%, var(--phc-teal) 100%);
  box-shadow: 0 8px 20px rgba(18, 51, 122, 0.3);
}
.brand-mark svg { width: 24px; height: 24px; }
.brand-text { font-family: "Playfair Display", Georgia, serif; font-size: 1.28rem; font-weight: 700; line-height: 1; color: var(--phc-indigo); }
.brand-text small {
  display: block; font-family: "Plus Jakarta Sans", sans-serif; font-size: 0.6rem;
  letter-spacing: 0.28em; text-transform: uppercase; color: var(--phc-teal); font-weight: 700; margin-top: 4px;
}

.navbar-phc .nav-link {
  font-weight: 600; color: #33405f; font-size: 0.93rem;
  padding: 0.5rem 0.95rem !important; position: relative;
}
.navbar-phc .nav-link::after {
  content: ""; position: absolute; left: 0.95rem; right: 0.95rem; bottom: 4px;
  height: 2px; border-radius: 9px; background: var(--phc-amber);
  transform: scaleX(0); transform-origin: left; transition: transform 0.3s ease;
}
.navbar-phc .nav-link:hover, .navbar-phc .nav-link.active { color: var(--phc-indigo); }
.navbar-phc .nav-link:hover::after, .navbar-phc .nav-link.active::after { transform: scaleX(1); }

.dropdown-menu-phc {
  border: none; border-radius: 16px; box-shadow: var(--phc-shadow);
  padding: 12px; margin-top: 12px; min-width: 268px;
}
.dropdown-menu-phc .dropdown-item {
  border-radius: 11px; padding: 9px 13px; font-weight: 600; font-size: 0.9rem; color: #33405f;
  display: flex; align-items: center; gap: 10px;
}
.dropdown-menu-phc .dropdown-item:hover { background: var(--phc-teal-soft); color: var(--phc-indigo); }
.dropdown-menu-phc .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--phc-teal); flex: 0 0 auto; }
.navbar-toggler { border: none; box-shadow: none !important; }
.navbar-toggler-icon {
  width: 30px; height: 30px;
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='%2312337a' stroke-linecap='round' stroke-width='3' d='M5 8h20M5 15h20M5 22h20'/%3e%3c/svg%3e");
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  padding: 108px 0 96px;
  color: #fff;
  background:
    radial-gradient(1100px 520px at 82% -10%, rgba(18, 179, 166, 0.55) 0%, rgba(18, 179, 166, 0) 60%),
    radial-gradient(760px 460px at 8% 110%, rgba(255, 176, 32, 0.32) 0%, rgba(255, 176, 32, 0) 62%),
    linear-gradient(128deg, var(--phc-indigo-deep) 0%, var(--phc-indigo) 52%, #1d4fa0 100%);
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.055) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.055) 1px, transparent 1px);
  background-size: 62px 62px;
  mask-image: radial-gradient(70% 60% at 50% 40%, #000 0%, transparent 100%);
  pointer-events: none;
}
.hero > .container { position: relative; z-index: 2; }
.hero h1 { color: #fff; font-size: clamp(2.3rem, 5vw, 3.85rem); margin-bottom: 20px; }
.hero h1 .accent { color: var(--phc-amber); font-style: italic; }
.hero p.lead { color: rgba(255, 255, 255, 0.86); font-size: 1.09rem; max-width: 560px; }

.hero-badge {
  display: inline-flex; align-items: center; gap: 9px;
  background: rgba(255, 255, 255, 0.13); border: 1px solid rgba(255, 255, 255, 0.26);
  padding: 8px 17px; border-radius: 999px; font-size: 0.79rem; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase; color: #fff; margin-bottom: 22px;
}
.hero-badge .pulse {
  width: 9px; height: 9px; border-radius: 50%; background: var(--phc-teal);
  box-shadow: 0 0 0 0 rgba(18, 179, 166, 0.7); animation: phc-pulse 2.2s infinite;
}
@keyframes phc-pulse {
  70% { box-shadow: 0 0 0 12px rgba(18, 179, 166, 0); }
  100% { box-shadow: 0 0 0 0 rgba(18, 179, 166, 0); }
}

.hero-card {
  background: rgba(255, 255, 255, 0.10);
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 24px; padding: 26px;
  backdrop-filter: blur(14px);
}
.hero-card h3, .hero-card h4 { color: #fff; }
.hero-card .phc-field { display: block; font-size: 0.76rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(255,255,255,0.72); margin-bottom: 6px; }
.hero-card .form-control, .hero-card .form-select {
  background: rgba(255, 255, 255, 0.94); border: none; border-radius: 12px;
  padding: 12px 14px; font-size: 0.93rem; font-weight: 600; color: var(--phc-ink);
}
.hero-card .form-control:focus, .hero-card .form-select:focus { box-shadow: 0 0 0 4px rgba(255, 176, 32, 0.35); }

.float-chip {
  position: absolute; display: flex; align-items: center; gap: 11px;
  background: #fff; color: var(--phc-ink); border-radius: 16px;
  padding: 13px 18px; box-shadow: var(--phc-shadow-lg); font-weight: 700; font-size: 0.86rem;
  animation: phc-float 6s ease-in-out infinite; z-index: 3;
}
.float-chip small { display: block; font-weight: 500; color: var(--phc-slate); font-size: 0.74rem; }
.float-chip .ico { width: 38px; height: 38px; border-radius: 11px; display: grid; place-items: center; font-size: 1.05rem; }
.float-chip.chip-1 { top: 4%; right: 6%; animation-delay: 0s; }
.float-chip.chip-2 { bottom: 12%; right: 20%; animation-delay: 1.4s; }
@keyframes phc-float { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-14px); } }

/* ---------- Stats ---------- */
.stats-band {
  background: linear-gradient(115deg, var(--phc-teal) 0%, #0e9b90 55%, #0a7f77 100%);
  padding: 44px 0; color: #fff; position: relative; overflow: hidden;
}
.stats-band::after {
  content: ""; position: absolute; right: -70px; top: -70px; width: 260px; height: 260px;
  border-radius: 50%; background: rgba(255, 255, 255, 0.10);
}
.stat-item { text-align: center; position: relative; z-index: 2; }
.stat-num { font-family: "Playfair Display", Georgia, serif; font-size: clamp(1.9rem, 3.4vw, 2.6rem); font-weight: 700; line-height: 1; }
.stat-label { font-size: 0.82rem; letter-spacing: 0.1em; text-transform: uppercase; opacity: 0.88; margin-top: 8px; font-weight: 600; }

/* ---------- Service cards ---------- */
.service-card {
  background: #fff; border-radius: var(--phc-radius); overflow: hidden;
  border: 1px solid var(--phc-line); height: 100%;
  transition: var(--phc-transition); display: flex; flex-direction: column;
}
.service-card:hover {
  transform: translateY(-10px);
  box-shadow: var(--phc-shadow-lg);
  border-color: transparent;
}
.service-card .sc-media { position: relative; height: 208px; overflow: hidden; }
.service-card .sc-media img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.7s ease; }
.service-card:hover .sc-media img { transform: scale(1.09); }
.service-card .sc-media::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(10,33,84,0) 40%, rgba(10,33,84,0.55) 100%);
}
.service-card .sc-icon {
  position: absolute; left: 18px; bottom: -24px; z-index: 3;
  width: 52px; height: 52px; border-radius: 15px; display: grid; place-items: center;
  font-size: 1.4rem; color: #fff; box-shadow: 0 10px 22px rgba(16, 28, 61, 0.24);
}
.sc-icon.inline {
  position: static; display: inline-grid; margin-bottom: 14px;
}
.ico-indigo { background: linear-gradient(135deg, var(--phc-indigo-soft), var(--phc-indigo)); }
.ico-amber { background: linear-gradient(135deg, var(--phc-amber), var(--phc-amber-deep)); color: #2a1a05 !important; }
.ico-teal { background: linear-gradient(135deg, #25cdc0, #0b8c82); }
.ico-coral { background: linear-gradient(135deg, #ff8a95, var(--phc-coral)); }
.ico-violet { background: linear-gradient(135deg, #8f7cf0, #5f46c9); }

.service-card .sc-body { padding: 38px 22px 24px; display: flex; flex-direction: column; flex: 1 1 auto; }
.service-card h3 { font-size: 1.22rem; margin-bottom: 9px; }
.service-card p { font-size: 0.92rem; margin-bottom: 18px; flex: 1 1 auto; }
.service-card .btn { align-self: flex-start; }

/* ---------- Feature list ---------- */
.feature-row { display: flex; gap: 16px; margin-bottom: 22px; }
.feature-row .f-ico {
  width: 52px; height: 52px; border-radius: 15px; flex: 0 0 auto; display: grid; place-items: center;
  font-size: 1.3rem; background: var(--phc-teal-soft); color: var(--phc-teal);
}
.feature-row h4 { font-size: 1.08rem; margin-bottom: 5px; }
.feature-row p { font-size: 0.92rem; margin: 0; }

.check-list { list-style: none; padding: 0; margin: 0; }
.check-list li { position: relative; padding-left: 32px; margin-bottom: 12px; color: var(--phc-slate); font-size: 0.96rem; }
.check-list li::before {
  content: "\2713"; position: absolute; left: 0; top: 1px;
  width: 21px; height: 21px; border-radius: 50%; font-size: 0.72rem; font-weight: 800;
  background: var(--phc-teal); color: #fff; display: grid; place-items: center;
}

/* ---------- Steps ---------- */
.step-card { position: relative; background: #fff; border-radius: var(--phc-radius); padding: 30px 24px; border: 1px solid var(--phc-line); height: 100%; transition: var(--phc-transition); }
.step-card:hover { transform: translateY(-7px); box-shadow: var(--phc-shadow); border-color: var(--phc-amber); }
.step-num {
  font-family: "Playfair Display", Georgia, serif; font-size: 3.1rem; font-weight: 700;
  line-height: 1; color: var(--phc-cream); -webkit-text-stroke: 2px var(--phc-amber); margin-bottom: 8px;
}
.step-card h4 { font-size: 1.1rem; margin-bottom: 8px; }
.step-card p { font-size: 0.9rem; margin: 0; }

/* ---------- Testimonials ---------- */
.testimonial-section {
  background:
    radial-gradient(720px 380px at 100% 0%, rgba(255, 176, 32, 0.16) 0%, rgba(255,176,32,0) 60%),
    linear-gradient(120deg, #0c2461 0%, var(--phc-indigo-deep) 60%, #081a45 100%);
  color: #fff; position: relative; overflow: hidden;
}
.testimonial-section h2 { color: #fff; }
.testimonial-section p { color: rgba(255, 255, 255, 0.78); }

.testimonial-card {
  background: rgba(255, 255, 255, 0.07);
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 20px; padding: 30px 26px; height: 100%;
  backdrop-filter: blur(8px); transition: var(--phc-transition);
}
.testimonial-card:hover { background: rgba(255, 255, 255, 0.12); transform: translateY(-6px); border-color: var(--phc-amber); }
.testimonial-card .quote-mark { font-family: "Playfair Display", Georgia, serif; font-size: 3.6rem; line-height: 0.7; color: var(--phc-amber); opacity: 0.85; }
.testimonial-card p.t-text { color: rgba(255, 255, 255, 0.9); font-size: 0.97rem; font-style: italic; margin: 12px 0 20px; }
.stars { color: var(--phc-amber); letter-spacing: 3px; font-size: 0.95rem; }

.t-avatar {
  width: 46px; height: 46px; border-radius: 50%; flex: 0 0 auto;
  display: grid; place-items: center; font-weight: 800; font-size: 0.95rem;
  color: #fff; letter-spacing: 0.04em;
}
.av-1 { background: linear-gradient(135deg, var(--phc-teal), #0b8c82); }
.av-2 { background: linear-gradient(135deg, var(--phc-amber), var(--phc-amber-deep)); color: #2a1a05; }
.av-3 { background: linear-gradient(135deg, #ff8a95, var(--phc-coral)); }
.av-4 { background: linear-gradient(135deg, #8f7cf0, #5f46c9); }
.av-5 { background: linear-gradient(135deg, #4fc3f7, #1976d2); }
.av-6 { background: linear-gradient(135deg, #66bb6a, #2e7d32); }
.t-name { font-weight: 700; color: #fff; font-size: 0.98rem; margin: 0; }
.t-loc { font-size: 0.8rem; color: rgba(255, 255, 255, 0.6); margin: 0; }

/* ---------- FAQ ---------- */
.accordion-phc .accordion-item {
  border: 1px solid var(--phc-line); border-radius: 14px !important;
  margin-bottom: 12px; overflow: hidden; background: #fff;
}
.accordion-phc .accordion-button {
  font-weight: 700; font-size: 0.99rem; color: var(--phc-ink);
  background: #fff; padding: 18px 22px; box-shadow: none !important;
}
.accordion-phc .accordion-button:not(.collapsed) { background: var(--phc-cream); color: var(--phc-indigo); }
.accordion-phc .accordion-button::after { filter: hue-rotate(180deg) saturate(2); }
.accordion-phc .accordion-body { color: var(--phc-slate); font-size: 0.94rem; padding: 4px 22px 20px; }

/* ---------- CTA band ---------- */
.cta-band {
  border-radius: 26px; padding: 56px 44px; position: relative; overflow: hidden;
  background:
    radial-gradient(600px 320px at 88% 10%, rgba(255,176,32,0.35) 0%, rgba(255,176,32,0) 60%),
    linear-gradient(115deg, var(--phc-teal) 0%, #0d9c92 100%);
  color: #fff;
}
.cta-band h2 { color: #fff; }
.cta-band p { color: rgba(255, 255, 255, 0.9); }

/* ---------- Page header ---------- */
.page-head {
  padding: 76px 0 66px; color: #fff; position: relative; overflow: hidden;
  background:
    radial-gradient(700px 360px at 88% -20%, rgba(18, 179, 166, 0.5) 0%, rgba(18,179,166,0) 62%),
    radial-gradient(520px 320px at 0% 120%, rgba(255, 176, 32, 0.28) 0%, rgba(255,176,32,0) 62%),
    linear-gradient(120deg, var(--phc-indigo-deep) 0%, var(--phc-indigo) 60%, #1d4fa0 100%);
}
.page-head::before {
  content: ""; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.05) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.05) 1px, transparent 1px);
  background-size: 58px 58px;
  mask-image: radial-gradient(70% 70% at 60% 40%, #000 0%, transparent 100%);
}
.page-head > .container { position: relative; z-index: 2; }
.page-head h1 { color: #fff; font-size: clamp(2rem, 4.4vw, 3.1rem); margin-bottom: 12px; }
.page-head p { color: rgba(255, 255, 255, 0.85); max-width: 620px; margin: 0; }
.breadcrumb-phc { font-size: 0.85rem; margin-bottom: 16px; }
.breadcrumb-phc a { color: var(--phc-amber); font-weight: 600; }
.breadcrumb-phc span { color: rgba(255, 255, 255, 0.7); }
.breadcrumb-phc .slash { margin: 0 9px; color: rgba(255, 255, 255, 0.4); }

/* ---------- Blog ---------- */
.blog-card {
  background: #fff; border-radius: var(--phc-radius); overflow: hidden;
  border: 1px solid var(--phc-line); height: 100%; transition: var(--phc-transition);
  display: flex; flex-direction: column;
}
.blog-card:hover { transform: translateY(-9px); box-shadow: var(--phc-shadow-lg); border-color: transparent; }
.blog-card .bc-media { height: 218px; overflow: hidden; position: relative; }
.blog-card .bc-media img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.7s ease; }
.blog-card:hover .bc-media img { transform: scale(1.07); }
.blog-card .bc-tag {
  position: absolute; left: 16px; top: 16px; z-index: 2;
  background: var(--phc-amber); color: #2a1a05; font-size: 0.71rem; font-weight: 800;
  letter-spacing: 0.09em; text-transform: uppercase; padding: 6px 13px; border-radius: 999px;
}
.blog-card .bc-body { padding: 26px 24px 28px; flex: 1 1 auto; display: flex; flex-direction: column; }
.blog-card h3 { font-size: 1.2rem; margin-bottom: 11px; line-height: 1.35; }
.blog-card h3 a { color: var(--phc-ink); }
.blog-card h3 a:hover { color: var(--phc-teal); }
.blog-card p { font-size: 0.93rem; flex: 1 1 auto; }
.bc-meta { display: flex; align-items: center; gap: 14px; font-size: 0.8rem; color: #98a2bd; font-weight: 600; margin-bottom: 14px; }
.bc-meta .dotsep { width: 4px; height: 4px; border-radius: 50%; background: #cfd6e6; }
.read-more { font-weight: 700; font-size: 0.88rem; color: var(--phc-indigo); display: inline-flex; align-items: center; gap: 7px; }
.read-more:hover { color: var(--phc-teal); gap: 12px; }

.blog-article h2 { font-size: 1.55rem; margin: 34px 0 14px; }
.blog-article h3 { font-size: 1.25rem; margin: 28px 0 12px; }
.blog-article p { margin-bottom: 20px; font-size: 1.02rem; color: #3c4864; }
.blog-article .lead-in { font-size: 1.12rem; color: var(--phc-slate); font-weight: 500; }
.blog-hero { border-radius: 24px; overflow: hidden; margin-bottom: 34px; box-shadow: var(--phc-shadow); }
.blog-hero img { width: 100%; height: 420px; object-fit: cover; display: block; }

.pull-quote {
  border-left: 4px solid var(--phc-amber); background: var(--phc-cream);
  padding: 22px 26px; border-radius: 0 16px 16px 0; margin: 30px 0;
  font-family: "Playfair Display", Georgia, serif; font-size: 1.16rem; font-style: italic; color: var(--phc-indigo);
}
.insight-box { background: var(--phc-teal-soft); border-radius: 16px; padding: 24px 26px; margin: 30px 0; }
.insight-box h4 { font-size: 1.05rem; margin-bottom: 10px; color: #0a7f77; }
.insight-box p { margin: 0; font-size: 0.95rem; }

.side-card { background: #fff; border: 1px solid var(--phc-line); border-radius: var(--phc-radius); padding: 26px; margin-bottom: 24px; }
.side-card h4 { font-size: 1.05rem; margin-bottom: 16px; }
.side-link { display: block; padding: 10px 0; border-bottom: 1px dashed var(--phc-line); font-weight: 600; font-size: 0.92rem; color: #33405f; }
.side-link:last-child { border-bottom: none; }
.side-link:hover { color: var(--phc-teal); padding-left: 6px; }

/* ---------- Forms ---------- */
.form-phc .form-label { font-size: 0.82rem; font-weight: 700; letter-spacing: 0.05em; text-transform: uppercase; color: #3c4864; margin-bottom: 7px; }
.form-phc .form-control, .form-phc .form-select {
  border: 1.5px solid var(--phc-line); border-radius: 12px; padding: 12px 15px;
  font-size: 0.95rem; color: var(--phc-ink); background: #fff; transition: var(--phc-transition);
}
.form-phc .form-control:focus, .form-phc .form-select:focus {
  border-color: var(--phc-teal); box-shadow: 0 0 0 4px rgba(18, 179, 166, 0.14);
}
.form-phc .form-control.is-invalid, .form-phc .form-select.is-invalid { border-color: var(--phc-coral); box-shadow: none; }
.form-phc .invalid-feedback { font-size: 0.8rem; font-weight: 600; }
.form-phc textarea.form-control { min-height: 132px; resize: vertical; }

.contact-card { background: #fff; border-radius: var(--phc-radius); border: 1px solid var(--phc-line); box-shadow: var(--phc-shadow); padding: 40px; }

.info-tile { display: flex; gap: 16px; padding: 20px; border-radius: 16px; background: #fff; border: 1px solid var(--phc-line); height: 100%; transition: var(--phc-transition); }
.info-tile:hover { border-color: var(--phc-teal); transform: translateY(-5px); box-shadow: var(--phc-shadow); }
.info-tile .it-ico { width: 50px; height: 50px; border-radius: 14px; flex: 0 0 auto; display: grid; place-items: center; font-size: 1.25rem; }
.info-tile h5 { font-size: 1rem; margin-bottom: 4px; }
.info-tile p, .info-tile a { font-size: 0.93rem; margin: 0; color: var(--phc-slate); word-break: break-word; }
.info-tile a:hover { color: var(--phc-teal); }

.map-frame { border-radius: var(--phc-radius); overflow: hidden; border: 1px solid var(--phc-line); box-shadow: var(--phc-shadow); }
.map-frame iframe { display: block; width: 100%; height: 400px; border: 0; }

/* Alert / result panels */
.phc-alert { border-radius: 14px; padding: 18px 20px; font-size: 0.93rem; font-weight: 600; display: none; }
.phc-alert.show { display: block; animation: phc-pop 0.4s ease; }
@keyframes phc-pop { from { opacity: 0; transform: translateY(-8px); } to { opacity: 1; transform: translateY(0); } }
.phc-alert.success { background: #e6f9f6; color: #06685f; border: 1px solid #a8e9e2; }
.phc-alert.error { background: #ffeff1; color: #b3202f; border: 1px solid #ffc2c8; }
.phc-alert.info { background: #eef3ff; color: var(--phc-indigo); border: 1px solid #c8d8ff; }
.phc-alert ul { margin: 8px 0 0; padding-left: 18px; }

/* Toast */
.phc-toast-stack { position: fixed; right: 22px; bottom: 96px; z-index: 1080; display: flex; flex-direction: column; gap: 10px; }
.phc-toast {
  min-width: 280px; max-width: 360px; background: #fff; border-radius: 14px;
  box-shadow: var(--phc-shadow-lg); padding: 15px 18px; display: flex; gap: 12px; align-items: flex-start;
  border-left: 4px solid var(--phc-teal); animation: phc-slide 0.35s ease;
}
.phc-toast.err { border-left-color: var(--phc-coral); }
.phc-toast .tt { font-weight: 700; font-size: 0.9rem; color: var(--phc-ink); margin: 0; }
.phc-toast .tm { font-size: 0.83rem; color: var(--phc-slate); margin: 2px 0 0; }
@keyframes phc-slide { from { opacity: 0; transform: translateX(28px); } to { opacity: 1; transform: translateX(0); } }

/* ---------- Newsletter band ---------- */
.newsletter-band { background: var(--phc-cream); border-radius: 24px; padding: 46px 40px; border: 1px dashed #f0d9a8; }

/* ---------- Footer ---------- */
.footer {
  background: linear-gradient(160deg, #0a1c47 0%, var(--phc-indigo-deep) 55%, #07142f 100%);
  color: #b9c6e4; padding: 74px 0 0; position: relative; overflow: hidden;
}
.footer::before {
  content: ""; position: absolute; left: -80px; bottom: -120px; width: 340px; height: 340px;
  border-radius: 50%; background: rgba(18, 179, 166, 0.10);
}
.footer h5 { color: #fff; font-family: "Plus Jakarta Sans", sans-serif; font-size: 0.85rem; letter-spacing: 0.14em; text-transform: uppercase; font-weight: 700; margin-bottom: 20px; }
.footer p, .footer a { color: #b9c6e4; font-size: 0.92rem; }
.footer a:hover { color: var(--phc-amber); }
.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: 11px; }
.footer-links a { display: inline-flex; align-items: center; gap: 8px; }
.footer-links a::before { content: ""; width: 6px; height: 6px; border-radius: 50%; background: var(--phc-teal); opacity: 0.7; transition: var(--phc-transition); }
.footer-links a:hover::before { background: var(--phc-amber); opacity: 1; transform: translateX(3px); }
.footer .brand-text { color: #fff; }
.footer-contact li { display: flex; gap: 12px; margin-bottom: 15px; font-size: 0.92rem; }
.footer-contact .fc-ico { color: var(--phc-amber); flex: 0 0 auto; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, 0.10); margin-top: 52px; padding: 22px 0; font-size: 0.84rem; }
.footer-bottom a { color: #dce5f8; }

/* ---------- Back to top ---------- */
.back-top {
  position: fixed; right: 22px; bottom: 22px; width: 48px; height: 48px; border-radius: 50%;
  background: linear-gradient(135deg, var(--phc-amber), var(--phc-amber-deep));
  color: #23160a; border: none; display: grid; place-items: center; font-size: 1.15rem;
  box-shadow: 0 12px 26px rgba(240, 144, 0, 0.4); opacity: 0; visibility: hidden;
  transform: translateY(14px); transition: var(--phc-transition); z-index: 1050;
}
.back-top.show { opacity: 1; visibility: visible; transform: translateY(0); }
.back-top:hover { transform: translateY(-4px); }

/* ---------- Legal pages ---------- */
.legal-content h2 { font-size: 1.35rem; margin: 34px 0 12px; }
.legal-content h3 { font-size: 1.08rem; margin: 24px 0 8px; font-family: "Plus Jakarta Sans", sans-serif; }
.legal-content p, .legal-content li { color: #45526f; font-size: 0.97rem; }
.legal-content ul { padding-left: 20px; }
.legal-toc { background: #f7f9fd; border: 1px solid var(--phc-line); border-radius: 16px; padding: 24px 26px; }
.legal-toc h5 { font-size: 0.95rem; margin-bottom: 14px; }
.legal-toc a { display: block; padding: 6px 0; font-size: 0.9rem; color: #45526f; font-weight: 600; }
.legal-toc a:hover { color: var(--phc-teal); }

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal.in-view { opacity: 1; transform: translateY(0); }
.reveal.d1 { transition-delay: 0.09s; }
.reveal.d2 { transition-delay: 0.18s; }
.reveal.d3 { transition-delay: 0.27s; }
.reveal.d4 { transition-delay: 0.36s; }

@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  .float-chip { animation: none; }
}

/* ---------- Responsive ---------- */
@media (max-width: 1199.98px) {
  .float-chip.chip-1 { right: 2%; }
  .float-chip.chip-2 { display: none; }
}
@media (max-width: 991.98px) {
  .section { padding: 66px 0; }
  .hero { padding: 74px 0 70px; }
  .float-chip { display: none; }
  .navbar-collapse { background: #fff; border-radius: 16px; padding: 16px; margin-top: 14px; box-shadow: var(--phc-shadow); }
  .navbar-phc .nav-link::after { display: none; }
  .cta-band { padding: 40px 26px; }
  .blog-hero img { height: 280px; }
}
@media (max-width: 575.98px) {
  .contact-card { padding: 26px 20px; }
  .newsletter-band { padding: 32px 22px; }
  .phc-toast-stack { right: 12px; left: 12px; }
  .phc-toast { max-width: none; }
}