/* =====================================================
   ONWAY INSURANCE
   PREMIUM BLUE & GOLD DESIGN SYSTEM
   Desktop + Tablet + Mobile Responsive
===================================================== */


/* =========================
   1. ROOT VARIABLES
========================= */

:root {
    --navy: #071C3B;
    --navy-light: #102C52;
    --blue: #1266D5;
    --blue-dark: #084BA8;
    --gold: #D9A72E;
    --gold-light: #F3D477;

    --white: #FFFFFF;
    --light: #F5F8FC;
    --gray: #66758A;
    --dark: #17243B;
    --border: #E5EAF1;

    --shadow:
        0 12px 35px rgba(7, 28, 59, 0.09);

    --shadow-hover:
        0 20px 45px rgba(7, 28, 59, 0.15);

    --radius: 14px;
    --radius-lg: 22px;

    --container: 1200px;

    --transition: all .3s ease;
}


/* =========================
   2. RESET
========================= */

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: 100px;
}

body {
    font-family: Arial, Helvetica, sans-serif;
    background: var(--white);
    color: var(--dark);
    line-height: 1.7;
    overflow-x: hidden;
}

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

a {
    text-decoration: none;
    color: inherit;
}

button,
input,
select,
textarea {
    font: inherit;
}

button {
    cursor: pointer;
}

ul {
    list-style: none;
}

.main-content {
    min-height: 55vh;
}

.container,
.header-container,
.footer-container {
    width: min(var(--container), calc(100% - 48px));
    margin-inline: auto;
}


/* =========================
   3. HEADER
========================= */

.site-header {
    position: sticky;
    top: 0;
    z-index: 1000;

    width: 100%;
    background: rgba(255,255,255,.97);

    border-bottom: 1px solid var(--border);

    box-shadow:
        0 3px 18px rgba(7,28,59,.04);

    transition: var(--transition);
}

.site-header.scrolled {
    box-shadow:
        0 8px 25px rgba(7,28,59,.10);
}

.header-container {
    min-height: 88px;

    display: flex;
    align-items: center;
    justify-content: space-between;

    gap: 30px;
}

.brand-logo {
    display: flex;
    align-items: center;
    flex-shrink: 0;
}

.brand-logo img {
    width: 205px;
    max-height: 68px;
    object-fit: contain;
}


/* =========================
   4. NAVIGATION
========================= */

.main-navigation {
    display: flex;
    align-items: center;
    justify-content: flex-end;

    flex: 1;
    gap: 30px;
}

.nav-list {
    display: flex;
    align-items: center;
    gap: 30px;
}

.nav-list > li {
    position: relative;
}

.nav-list > li > a,
.nav-dropdown-toggle {
    display: flex;
    align-items: center;
    gap: 7px;

    padding: 12px 0;

    color: var(--navy);
    background: transparent;

    border: none;

    font-size: 14px;
    font-weight: 600;

    transition: var(--transition);
}

.nav-list > li > a:hover,
.nav-dropdown-toggle:hover,
.nav-list > li > a.active,
.nav-dropdown-toggle.active {
    color: var(--blue);
}

.nav-list > li > a::after,
.nav-dropdown-toggle::after {
    content: "";
    position: absolute;

    bottom: 3px;
    left: 0;

    width: 0;
    height: 2px;

    background: var(--gold);

    transition: var(--transition);
}

.nav-list > li > a:hover::after,
.nav-dropdown-toggle:hover::after {
    width: 100%;
}

.dropdown-arrow {
    font-size: 17px;
    transition: transform .3s ease;
}


/* =========================
   5. DROPDOWN
========================= */

.nav-dropdown {
    position: relative;
}

.dropdown-menu {
    position: absolute;

    top: calc(100% + 12px);
    left: -15px;

    width: 280px;

    padding: 12px;

    background: var(--white);

    border: 1px solid var(--border);
    border-radius: 14px;

    box-shadow: var(--shadow-hover);

    opacity: 0;
    visibility: hidden;

    transform: translateY(12px);

    transition: var(--transition);
}

.nav-dropdown:hover .dropdown-menu,
.nav-dropdown:focus-within .dropdown-menu,
.nav-dropdown.open .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.nav-dropdown:hover .dropdown-arrow,
.nav-dropdown.open .dropdown-arrow {
    transform: rotate(180deg);
}

.dropdown-menu a {
    display: flex;
    align-items: center;

    gap: 13px;
    padding: 12px;

    border-radius: 10px;

    transition: var(--transition);
}

.dropdown-menu a:hover {
    background: var(--light);
    color: var(--blue);
}

.dropdown-icon {
    width: 42px;
    height: 42px;

    display: grid;
    place-items: center;

    background: #EDF4FF;

    border-radius: 10px;
    font-size: 21px;
    flex-shrink: 0;
}

.dropdown-menu strong {
    display: block;
    font-size: 13px;
    color: var(--navy);
}

.dropdown-menu small {
    display: block;
    font-size: 11px;
    color: var(--gray);
}


/* =========================
   6. HEADER BUTTONS
========================= */

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

.posp-button {
    display: inline-flex;
    align-items: center;
    gap: 9px;

    padding: 12px 17px;

    border: 1px solid var(--gold);
    border-radius: 8px;

    color: var(--navy);

    font-size: 12px;
    font-weight: 700;

    transition: var(--transition);
}

.posp-button span {
    color: var(--gold);
    font-size: 17px;
}

.posp-button:hover {
    background: var(--gold);
    color: var(--navy);
    transform: translateY(-2px);
}

.login-button {
    display: inline-flex;
    align-items: center;
    justify-content: center;

    padding: 12px 25px;

    color: var(--white);
    background: var(--navy);

    border-radius: 8px;

    font-size: 13px;
    font-weight: 700;

    transition: var(--transition);
}

.login-button:hover {
    background: var(--blue);
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(18,102,213,.2);
}


/* =========================
   7. MOBILE MENU BUTTON
========================= */

.mobile-menu-toggle {
    display: none;

    width: 44px;
    height: 44px;

    border: 1px solid var(--border);
    border-radius: 9px;

    background: var(--white);

    align-items: center;
    justify-content: center;

    flex-direction: column;
    gap: 5px;
}

.mobile-menu-toggle span {
    width: 21px;
    height: 2px;

    background: var(--navy);
    border-radius: 5px;

    transition: var(--transition);
}

.mobile-menu-toggle.active span:first-child {
    transform: translateY(7px) rotate(45deg);
}

.mobile-menu-toggle.active span:nth-child(2) {
    opacity: 0;
}

.mobile-menu-toggle.active span:last-child {
    transform: translateY(-7px) rotate(-45deg);
}


/* =========================
   8. BUTTON SYSTEM
========================= */

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;

    gap: 10px;

    padding: 14px 26px;

    border-radius: 9px;

    font-size: 14px;
    font-weight: 700;

    border: 1px solid transparent;

    transition: var(--transition);
}

.btn-primary {
    color: var(--white);
    background: var(--blue);
}

.btn-primary:hover {
    background: var(--blue-dark);
    transform: translateY(-3px);
    box-shadow: 0 10px 22px rgba(18,102,213,.22);
}

.btn-gold {
    background: var(--gold);
    color: var(--navy);
}

.btn-gold:hover {
    background: var(--gold-light);
    transform: translateY(-3px);
}

.btn-outline {
    border-color: var(--white);
    color: var(--white);
    background: transparent;
}

.btn-outline:hover {
    background: var(--white);
    color: var(--navy);
}


/* =========================
   9. COMMON SECTIONS
========================= */

.section {
    padding: 85px 0;
}

.section-light {
    background: var(--light);
}

.section-heading {
    max-width: 720px;
    margin: 0 auto 45px;
    text-align: center;
}

.section-subtitle {
    display: inline-block;

    margin-bottom: 12px;

    color: var(--blue);

    font-size: 12px;
    font-weight: 800;

    letter-spacing: 2px;
    text-transform: uppercase;
}

.section-heading h2 {
    color: var(--navy);

    font-size: clamp(27px, 4vw, 40px);
    line-height: 1.25;

    margin-bottom: 15px;
}

.section-heading p {
    color: var(--gray);
    font-size: 15px;
}


/* =========================
   10. HERO SECTION
========================= */

.hero-section {
    position: relative;
    overflow: hidden;

    padding: 85px 0 110px;

    background:
        linear-gradient(
            120deg,
            var(--navy) 0%,
            #103B70 65%,
            #125AA7 100%
        );

    color: var(--white);
}

.hero-section::before {
    content: "";

    position: absolute;

    width: 480px;
    height: 480px;

    right: -130px;
    top: -190px;

    border: 1px solid rgba(217,167,46,.25);
    border-radius: 50%;

    box-shadow:
        0 0 0 45px rgba(217,167,46,.04),
        0 0 0 90px rgba(217,167,46,.03);
}

.hero-container {
    position: relative;
    z-index: 2;

    display: grid;
    grid-template-columns: 1fr 1fr;

    align-items: center;
    gap: 65px;
}

.hero-content h1 {
    max-width: 620px;

    font-size: clamp(35px, 5vw, 58px);
    line-height: 1.15;

    margin-bottom: 22px;
}

.hero-content h1 span {
    color: var(--gold-light);
}

.hero-content p {
    max-width: 530px;

    margin-bottom: 30px;

    color: #D3E0F2;
    font-size: 16px;
}

.hero-buttons {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
}

.hero-image {
    position: relative;
}

.hero-image img {
    width: 100%;
    max-height: 440px;

    object-fit: cover;

    border-radius: 22px;

    box-shadow:
        0 25px 60px rgba(0,0,0,.22);
}

.hero-image::after {
    content: "";

    position: absolute;
    inset: -12px;

    border: 2px solid rgba(217,167,46,.55);

    border-radius: 28px;

    z-index: -1;
}


/* =========================
   11. INSURANCE CARDS
========================= */

.insurance-grid {
    display: grid;

    grid-template-columns:
        repeat(3, minmax(0, 1fr));

    gap: 24px;
}

.insurance-card {
    position: relative;

    padding: 30px 25px;

    background: var(--white);

    border: 1px solid var(--border);
    border-radius: var(--radius-lg);

    box-shadow: var(--shadow);

    transition: var(--transition);
}

.insurance-card:hover {
    transform: translateY(-9px);
    border-color: var(--gold);
    box-shadow: var(--shadow-hover);
}

.insurance-card .card-icon {
    width: 65px;
    height: 65px;

    display: grid;
    place-items: center;

    margin-bottom: 20px;

    background: #EDF4FF;
    border-radius: 15px;

    font-size: 30px;
}

.insurance-card h3 {
    color: var(--navy);
    font-size: 19px;
    margin-bottom: 10px;
}

.insurance-card p {
    color: var(--gray);
    font-size: 14px;
    margin-bottom: 18px;
}

.card-link {
    display: inline-flex;
    gap: 8px;

    color: var(--blue);

    font-size: 13px;
    font-weight: 700;
}

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


/* =========================
   12. FEATURE CARDS
========================= */

.features-grid {
    display: grid;

    grid-template-columns:
        repeat(3, minmax(0, 1fr));

    gap: 25px;
}

.feature-card {
    padding: 28px;

    background: var(--white);

    border-radius: var(--radius);
    border: 1px solid var(--border);

    transition: var(--transition);
}

.feature-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow);
}

.feature-card h3 {
    color: var(--navy);
    margin-bottom: 10px;
}

.feature-card p {
    color: var(--gray);
    font-size: 14px;
}


/* =========================
   13. CTA SECTION
========================= */

.cta-section {
    position: relative;

    padding: 65px 0;

    overflow: hidden;

    background:
        linear-gradient(
            110deg,
            var(--navy),
            var(--blue-dark)
        );

    color: var(--white);
}

.cta-container {
    display: flex;
    align-items: center;
    justify-content: space-between;

    gap: 30px;
}

.cta-container h2 {
    font-size: clamp(25px, 4vw, 36px);
    margin-bottom: 10px;
}

.cta-container p {
    color: #D3E0F2;
}


/* =========================
   14. FOOTER
========================= */

.site-footer {
    background: var(--navy);
    color: var(--white);
}

.footer-main {
    padding: 75px 0 55px;
}

.footer-grid {
    display: grid;

    grid-template-columns:
        1.5fr 1fr 1fr 1fr;

    gap: 45px;
}

.footer-logo {
    display: inline-block;
    margin-bottom: 20px;
}

.footer-logo img {
    width: 210px;
    max-height: 85px;
    object-fit: contain;
}

.footer-brand p {
    max-width: 330px;

    color: #AABAD0;
    font-size: 13px;

    line-height: 1.9;
}

.footer-links h3 {
    position: relative;

    margin-bottom: 25px;
    padding-bottom: 13px;

    font-size: 16px;
    color: var(--white);
}

.footer-links h3::after {
    content: "";

    position: absolute;

    bottom: 0;
    left: 0;

    width: 38px;
    height: 2px;

    background: var(--gold);
}

.footer-links ul li {
    margin-bottom: 13px;
}

.footer-links ul a {
    color: #AABAD0;
    font-size: 13px;

    transition: var(--transition);
}

.footer-links ul a:hover {
    color: var(--gold);
    padding-left: 5px;
}


/* =========================
   15. SOCIAL LINKS
========================= */

.footer-social {
    display: flex;
    gap: 10px;
    margin-top: 22px;
}

.footer-social a {
    width: 37px;
    height: 37px;

    display: grid;
    place-items: center;

    border: 1px solid rgba(255,255,255,.2);
    border-radius: 50%;

    color: var(--white);

    font-size: 12px;
    font-weight: 700;

    transition: var(--transition);
}

.footer-social a:hover {
    background: var(--gold);
    color: var(--navy);

    border-color: var(--gold);

    transform: translateY(-4px);
}


/* =========================
   16. FOOTER BOTTOM
========================= */

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,.12);
    padding: 20px 0;
}

.footer-bottom-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 20px;
}

.footer-bottom p {
    color: #AABAD0;
    font-size: 12px;
}

.footer-tagline {
    color: var(--gold-light) !important;
}


/* =========================
   17. FORMS
========================= */

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

.form-group label {
    display: block;

    margin-bottom: 8px;

    color: var(--navy);

    font-size: 13px;
    font-weight: 700;
}

.form-control {
    width: 100%;

    padding: 14px 16px;

    border: 1px solid var(--border);
    border-radius: 9px;

    background: var(--white);

    color: var(--dark);

    outline: none;

    transition: var(--transition);
}

.form-control:focus {
    border-color: var(--blue);

    box-shadow:
        0 0 0 3px rgba(18,102,213,.10);
}

textarea.form-control {
    min-height: 130px;
    resize: vertical;
}


/* =========================
   18. ANIMATIONS
========================= */

@keyframes fadeUp {
    from {
        opacity: 0;
        transform: translateY(25px);
    }

    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes float {
    0%, 100% {
        transform: translateY(0);
    }

    50% {
        transform: translateY(-12px);
    }
}

.animate-up {
    animation: fadeUp .8s ease both;
}

.animate-float {
    animation: float 4s ease-in-out infinite;
}


/* =========================
   19. TABLET RESPONSIVE
========================= */

@media (max-width: 1050px) {

    .header-container {
        gap: 15px;
    }

    .main-navigation {
        gap: 18px;
    }

    .nav-list {
        gap: 18px;
    }

    .brand-logo img {
        width: 175px;
    }

    .posp-button {
        padding: 11px;
    }

    .hero-container {
        gap: 35px;
    }

    .footer-grid {
        grid-template-columns:
            repeat(2, 1fr);
    }

}


/* =========================
   20. MOBILE RESPONSIVE
========================= */

@media (max-width: 850px) {

    .container,
    .header-container,
    .footer-container {
        width: calc(100% - 32px);
    }

    .header-container {
        min-height: 72px;
    }

    .brand-logo img {
        width: 165px;
        max-height: 58px;
    }

    .mobile-menu-toggle {
        display: flex;
    }

    .main-navigation {
        position: absolute;

        top: 100%;
        left: 0;

        width: 100%;

        display: none;

        flex-direction: column;
        align-items: stretch;

        gap: 20px;

        padding: 20px 22px 25px;

        background: var(--white);

        border-top: 1px solid var(--border);

        box-shadow: var(--shadow);
    }

    .main-navigation.is-open {
        display: flex;
        animation: fadeUp .25s ease;
    }

    .nav-list {
        flex-direction: column;
        align-items: stretch;

        gap: 4px;
    }

    .nav-list > li > a,
    .nav-dropdown-toggle {
        width: 100%;

        justify-content: space-between;

        padding: 13px 5px;

        border-bottom: 1px solid var(--border);
    }

    .nav-list > li > a::after,
    .nav-dropdown-toggle::after {
        display: none;
    }

    .dropdown-menu {
        position: static;

        display: none;

        width: 100%;

        margin-top: 5px;

        opacity: 1;
        visibility: visible;

        transform: none;

        box-shadow: none;

        border: none;

        background: var(--light);
    }

    .nav-dropdown.open .dropdown-menu {
        display: block;
    }

    .nav-dropdown:hover .dropdown-menu {
        display: none;
    }

    .nav-dropdown.open:hover .dropdown-menu {
        display: block;
    }

    .header-actions {
        width: 100%;

        flex-direction: column;
        align-items: stretch;
    }

    .posp-button,
    .login-button {
        justify-content: center;
        padding: 13px;
    }

    .hero-section {
        padding: 65px 0 80px;
    }

    .hero-container {
        grid-template-columns: 1fr;
        gap: 45px;
    }

    .hero-content {
        text-align: center;
    }

    .hero-content h1,
    .hero-content p {
        margin-left: auto;
        margin-right: auto;
    }

    .hero-buttons {
        justify-content: center;
    }

    .hero-image {
        max-width: 570px;
        margin: auto;
        width: 100%;
    }

    .insurance-grid {
        grid-template-columns:
            repeat(2, minmax(0, 1fr));
    }

    .features-grid {
        grid-template-columns:
            repeat(2, minmax(0, 1fr));
    }

    .section {
        padding: 65px 0;
    }

    .cta-container {
        flex-direction: column;
        text-align: center;
    }

}


/* =========================
   21. SMALL MOBILE
========================= */

@media (max-width: 550px) {

    .container,
    .header-container,
    .footer-container {
        width: calc(100% - 28px);
    }

    .header-container {
        min-height: 68px;
    }

    .brand-logo img {
        width: 145px;
        max-height: 52px;
    }

    .hero-section {
        padding: 55px 0 65px;
    }

    .hero-content h1 {
        font-size: 34px;
    }

    .hero-content p {
        font-size: 14px;
    }

    .hero-buttons {
        flex-direction: column;
    }

    .hero-buttons .btn {
        width: 100%;
    }

    .hero-image img {
        border-radius: 15px;
    }

    .insurance-grid,
    .features-grid {
        grid-template-columns: 1fr;
    }

    .insurance-card {
        padding: 25px 22px;
    }

    .section {
        padding: 55px 0;
    }

    .section-heading {
        margin-bottom: 30px;
    }

    .section-heading h2 {
        font-size: 27px;
    }

    .footer-main {
        padding: 50px 0 35px;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 30px;
    }

    .footer-bottom-inner {
        flex-direction: column;
        text-align: center;
        gap: 8px;
    }

}


/* =========================
   22. ACCESSIBILITY
========================= */

:focus-visible {
    outline: 3px solid var(--gold);
    outline-offset: 3px;
}

@media (prefers-reduced-motion: reduce) {

    *,
    *::before,
    *::after {
        scroll-behavior: auto !important;
        animation-duration: .01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: .01ms !important;
    }

}


/* Scroll Reveal Effects */

.reveal {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity .7s ease, transform .7s ease;
}

.reveal-left {
    opacity: 0;
    transform: translateX(-35px);
    transition: opacity .7s ease, transform .7s ease;
}

.reveal-right {
    opacity: 0;
    transform: translateX(35px);
    transition: opacity .7s ease, transform .7s ease;
}

.reveal.visible,
.reveal-left.visible,
.reveal-right.visible {
    opacity: 1;
    transform: translate(0, 0);
}


/* ======================================
   ONWAY HOMEPAGE ADDITIONAL DESIGN
====================================== */

.hero-trust {
    display: flex;
    flex-wrap: wrap;
    gap: 20px;
    margin-top: 30px;
    color: #E5EDFA;
    font-size: 12px;
    font-weight: 600;
}

.hero-trust span {
    color: #F3D477;
}

.quick-benefits {
    position: relative;
    z-index: 5;
    margin-top: -35px;
}

.benefits-container {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    background: white;
    padding: 25px;
    border-radius: 16px;
    box-shadow: 0 12px 40px rgba(7,28,59,.12);
}

.benefit-item {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 15px;
    padding: 10px;
    border-right: 1px solid var(--border);
}

.benefit-item:last-child {
    border-right: none;
}

.benefit-icon {
    width: 48px;
    height: 48px;
    display: grid;
    place-items: center;
    border-radius: 12px;
    background: #EDF4FF;
    font-size: 23px;
}

.benefit-item h3 {
    color: var(--navy);
    font-size: 14px;
}

.benefit-item p {
    color: var(--gray);
    font-size: 11px;
}

.process-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}

.process-card {
    padding: 25px;
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: 15px;
    transition: var(--transition);
}

.process-card:hover {
    transform: translateY(-7px);
    box-shadow: var(--shadow);
}

.process-number {
    display: inline-block;
    color: var(--gold);
    font-size: 32px;
    font-weight: 800;
    margin-bottom: 20px;
}

.process-card h3 {
    color: var(--navy);
    font-size: 17px;
    margin-bottom: 10px;
}

.process-card p {
    color: var(--gray);
    font-size: 13px;
}

.agent-section {
    overflow: hidden;
    padding: 75px 0;
    color: white;
    background: linear-gradient(120deg, #071C3B, #124F94);
}

.agent-container {
    display: grid;
    grid-template-columns: 1.2fr .8fr;
    align-items: center;
    gap: 50px;
}

.agent-content h2 {
    font-size: clamp(29px, 4vw, 43px);
    line-height: 1.2;
    margin-bottom: 20px;
}

.agent-content p {
    color: #C9D7EA;
    max-width: 550px;
    margin-bottom: 25px;
}

.agent-circle {
    width: 260px;
    height: 260px;
    margin: auto;
    border: 2px solid rgba(217,167,46,.6);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-direction: column;
    text-align: center;
    box-shadow: 0 0 0 25px rgba(255,255,255,.04);
}

.agent-circle span {
    font-size: 55px;
    margin-bottom: 12px;
}

.agent-circle h3 {
    color: var(--gold-light);
    font-size: 21px;
}

.agent-circle p {
    color: #C9D7EA;
    font-size: 12px;
    margin-top: 5px;
}

@media (max-width: 850px) {
    .benefits-container {
        grid-template-columns: 1fr;
        gap: 12px;
    }

    .benefit-item {
        justify-content: flex-start;
        border-right: none;
        border-bottom: 1px solid var(--border);
        padding: 12px;
    }

    .benefit-item:last-child {
        border-bottom: none;
    }

    .process-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .agent-container {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .agent-content p {
        margin-left: auto;
        margin-right: auto;
    }
}

@media (max-width: 550px) {
    .hero-trust {
        justify-content: center;
        gap: 12px;
    }

    .process-grid {
        grid-template-columns: 1fr;
    }

    .agent-circle {
        width: 220px;
        height: 220px;
    }
}


/* =========================================
   ONWAY PREMIUM BRAND UPDATE
========================================= */

/* GLOBAL FONT */

body,
button,
input,
select,
textarea {
    font-family: 'Manrope', sans-serif;
}

/* HORIZONTAL BRAND LOGO */

.brand-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    min-width: 220px;
}

.brand-logo img {
    width: 67px;
    height: 67px;
    object-fit: contain;
    flex-shrink: 0;
}

.brand-text {
    display: flex;
    flex-direction: column;
    line-height: 1.15;
}

.brand-text strong {
    color: #071C3B;
    font-size: 23px;
    font-weight: 800;
    letter-spacing: 1.5px;
}

.brand-text small {
    color: #1266D5;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 4px;
    margin-top: 3px;
}

.brand-text em {
    color: #8A95A5;
    font-size: 8px;
    font-style: normal;
    font-weight: 600;
    margin-top: 5px;
}

/* NAVIGATION FONT */

.nav-list > li > a,
.nav-dropdown-toggle {
    font-size: 13px;
    font-weight: 700;
    letter-spacing: -.2px;
}

.login-button,
.posp-button {
    font-family: 'Manrope', sans-serif;
    font-weight: 800;
}

/* HEADER SPACING */

.header-container {
    min-height: 90px;
    gap: 20px;
}

.main-navigation {
    gap: 24px;
}

.nav-list {
    gap: 25px;
}

/* MOBILE BRAND */

@media (max-width: 850px) {

    .brand-logo {
        min-width: 0;
        gap: 7px;
    }

    .brand-logo img {
        width: 55px;
        height: 55px;
    }

    .brand-text strong {
        font-size: 19px;
    }

    .brand-text small {
        font-size: 9px;
        letter-spacing: 3px;
    }

    .brand-text em {
        font-size: 7px;
    }

}

@media (max-width: 380px) {

    .brand-logo img {
        width: 46px;
        height: 46px;
    }

    .brand-text strong {
        font-size: 17px;
    }

    .mobile-menu-toggle {
        width: 40px;
        height: 40px;
    }

}


/* ==========================================
   ONWAY UNIVERSAL INSURANCE ANIMATION
========================================== */

.universal-hero {
    position: relative;
    overflow: hidden;
    padding: 85px 0 95px;

    background:
        radial-gradient(
            circle at 75% 45%,
            rgba(18,102,213,.35),
            transparent 35%
        ),
        linear-gradient(120deg,#061832,#0D315E,#092448);

    color: white;
}

.universal-container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    align-items: center;
    gap: 45px;
    position: relative;
    z-index: 2;
}

.universal-tag {
    color: #F3D477;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 2px;
}

.universal-content h1 {
    font-size: clamp(37px,4.5vw,58px);
    font-weight: 800;
    line-height: 1.17;
    letter-spacing: -1.5px;
    margin: 22px 0;
}

.universal-content h1 span {
    display: block;
    color: #F0C65A;
}

.universal-content p {
    max-width: 500px;
    color: #CFDDF0;
    font-size: 15px;
    line-height: 1.9;
    margin-bottom: 28px;
}

.universal-trust {
    display: flex;
    flex-wrap: wrap;
    gap: 18px;
    margin-top: 27px;
    color: #F3D477;
    font-size: 12px;
    font-weight: 700;
}


/* ANIMATION STAGE */

.insurance-animation {
    position: relative;
    min-height: 440px;
    display: flex;
    justify-content: center;
    align-items: center;
    isolation: isolate;
}

.orbit {
    position: absolute;
    border: 1px solid rgba(217,167,46,.30);
    border-radius: 50%;
    pointer-events: none;
}

.orbit-one {
    width: 340px;
    height: 340px;
    animation: orbitRotate 18s linear infinite;
}

.orbit-two {
    width: 440px;
    height: 440px;
    border-style: dashed;
    opacity: .5;
    animation: orbitRotate 30s linear infinite reverse;
}


/* CENTRAL SHIELD */

.central-shield {
    width: 175px;
    height: 195px;

    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;

    background: linear-gradient(145deg,#1469D2,#071C3B);
    border: 2px solid #E5B73F;

    clip-path: polygon(
        50% 0,
        100% 17%,
        92% 70%,
        50% 100%,
        8% 70%,
        0 17%
    );

    filter: drop-shadow(0 0 25px rgba(217,167,46,.3));

    animation: shieldPulse 3s ease-in-out infinite;
    z-index: 2;
}

.central-shield span {
    font-size: 48px;
    margin-bottom: 8px;
}

.central-shield strong {
    font-size: 23px;
    letter-spacing: 3px;
    color: white;
}

.central-shield small {
    color: #F3D477;
    font-size: 8px;
    letter-spacing: 2px;
}


/* FLOATING INSURANCE CARDS */

.floating-insurance {
    position: absolute;
    z-index: 5;

    display: flex;
    align-items: center;
    gap: 10px;

    padding: 12px 16px;

    background: rgba(255,255,255,.97);
    border: 1px solid rgba(217,167,46,.5);
    border-radius: 12px;

    box-shadow: 0 12px 30px rgba(0,0,0,.18);

    color: #071C3B;
}

.floating-insurance > span {
    font-size: 25px;
}

.floating-insurance strong {
    display: block;
    font-size: 12px;
}

.floating-insurance small {
    display: block;
    font-size: 9px;
    color: #738197;
}

.health-float {
    top: 25px;
    right: 0;
    animation: floatCard 4s ease-in-out infinite;
}

.life-float {
    top: 125px;
    left: 0;
    animation: floatCard 4.5s ease-in-out infinite 1s;
}

.bike-float {
    bottom: 100px;
    right: 0;
    animation: floatCard 5s ease-in-out infinite 1.5s;
}


/* MOVING ROAD */

.animated-road {
    position: absolute;
    bottom: 20px;
    left: 0;
    width: 100%;
    height: 65px;

    background: linear-gradient(
        180deg,
        #263A53,
        #111F35
    );

    border-radius: 12px;
    overflow: hidden;

    border-top: 2px solid rgba(255,255,255,.2);
}

.road-line {
    position: absolute;
    top: 31px;
    width: 200%;
    border-top: 3px dashed #F3D477;
    animation: roadMove 2s linear infinite;
}

.moving-car {
    position: absolute;
    top: -29px;
    left: 5%;
    font-size: 38px;
    z-index: 2;
    animation: carMove 7s linear infinite;
}

.moving-bike {
    position: absolute;
    top: 9px;
    left: 55%;
    font-size: 28px;
    z-index: 2;
    animation: bikeMove 9s linear infinite;
}

.animation-caption {
    position: absolute;
    bottom: -12px;
    left: 50%;
    transform: translateX(-50%);

    white-space: nowrap;
    font-size: 10px;
    color: #F3D477;
    letter-spacing: 1px;
}

.animation-caption span {
    display: inline-block;
    width: 7px;
    height: 7px;
    background: #40D99B;
    border-radius: 50%;
    margin-right: 6px;
}


/* ANIMATION KEYFRAMES */

@keyframes floatCard {
    0%,100% {
        transform: translateY(0);
    }
    50% {
        transform: translateY(-13px);
    }
}

@keyframes shieldPulse {
    0%,100% {
        transform: scale(1);
    }
    50% {
        transform: scale(1.06);
    }
}

@keyframes orbitRotate {
    to {
        transform: rotate(360deg);
    }
}

@keyframes roadMove {
    to {
        transform: translateX(-50%);
    }
}

@keyframes carMove {
    0% { left: 5%; }
    50% { left: 55%; }
    100% { left: 5%; }
}

@keyframes bikeMove {
    0% { left: 55%; }
    50% { left: 10%; }
    100% { left: 55%; }
}


/* TABLET */

@media(max-width:850px) {

    .universal-container {
        grid-template-columns: 1fr;
        gap: 25px;
    }

    .universal-content {
        text-align: center;
    }

    .universal-content p {
        margin-left: auto;
        margin-right: auto;
    }

    .universal-content .hero-buttons,
    .universal-trust {
        justify-content: center;
    }

    .insurance-animation {
        width: 100%;
        max-width: 550px;
        margin: auto;
    }

}


/* MOBILE */

@media(max-width:550px) {

    .universal-hero {
        padding: 55px 0 75px;
    }

    .universal-content h1 {
        font-size: 37px;
    }

    .universal-content p {
        font-size: 13px;
    }

    .universal-trust {
        gap: 10px;
        font-size: 10px;
    }

    .insurance-animation {
        min-height: 360px;
        transform: scale(.92);
        transform-origin: center;
    }

    .orbit-one {
        width: 260px;
        height: 260px;
    }

    .orbit-two {
        width: 320px;
        height: 320px;
    }

    .central-shield {
        width: 135px;
        height: 155px;
    }

    .health-float {
        right: -3px;
        top: 5px;
    }

    .life-float {
        left: -3px;
        top: 100px;
    }

    .bike-float {
        right: -3px;
        bottom: 85px;
    }

    .floating-insurance {
        padding: 9px 11px;
    }

    .floating-insurance > span {
        font-size: 20px;
    }

    .floating-insurance strong {
        font-size: 10px;
    }

    .floating-insurance small {
        font-size: 8px;
    }

    .animated-road {
        bottom: 25px;
    }

    .animation-caption {
        font-size: 8px;
    }

}


/* ACCESSIBILITY */

@media(prefers-reduced-motion: reduce) {
    .insurance-animation *,
    .insurance-animation {
        animation: none !important;
    }
}


/* ONWAY MOBILE ANIMATION FIX */

@media (max-width: 550px) {

    .universal-hero {
        padding-top: 45px;
        padding-bottom: 65px;
    }

    .universal-content h1 {
        font-size: 34px;
        line-height: 1.25;
    }

    .insurance-animation {
        min-height: 390px;
        transform: scale(.88);
        transform-origin: center center;
        margin-top: 10px;
        margin-bottom: 5px;
    }

    .central-shield {
        width: 145px;
        height: 175px;
    }

    .central-shield strong {
        font-size: 20px;
    }

    .central-shield small {
        font-size: 9px;
        letter-spacing: 1.5px;
    }

    .floating-insurance {
        z-index: 6;
    }

    .animated-road {
        bottom: 30px;
    }

    .animation-caption {
        bottom: -8px;
    }

}

/* ==========================================
   ONWAY INSURANCE - PREMIUM CAR QUOTE PAGE
========================================== */

.onway-quote-page {
    background: #f3f6fb;
    padding: 65px 20px;
    min-height: 700px;
}

.onway-quote-layout {
    max-width: 1120px;
    margin: auto;
    display: grid;
    grid-template-columns: 0.88fr 1.12fr;
    align-items: stretch;
    background: #fff;
    border-radius: 22px;
    overflow: hidden;
    box-shadow: 0 18px 60px rgba(7, 28, 59, 0.09);
}

/* LEFT PANEL */

.quote-trust-panel {
    position: relative;
    overflow: hidden;
    padding: 55px 42px 35px;
    color: #fff;
    background: linear-gradient(145deg, #071c3b, #103d73);
    display: flex;
    flex-direction: column;
}

.quote-trust-panel::before {
    content: "";
    position: absolute;
    width: 330px;
    height: 330px;
    border: 1px solid rgba(255,255,255,.09);
    border-radius: 50%;
    right: -180px;
    top: 80px;
}

.quote-trust-panel::after {
    content: "";
    position: absolute;
    width: 240px;
    height: 240px;
    border: 1px solid rgba(255,255,255,.08);
    border-radius: 50%;
    right: -135px;
    top: 125px;
}

.quote-eyebrow {
    color: #e2b64e;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 2.5px;
}

.quote-trust-panel h1 {
    position: relative;
    z-index: 1;
    margin: 35px 0 18px;
    font-size: clamp(32px, 3.5vw, 43px);
    line-height: 1.2;
    font-weight: 800;
    color: #fff;
}

.quote-trust-panel h1 span {
    color: #e5bb5d;
}

.trust-description {
    position: relative;
    z-index: 1;
    max-width: 390px;
    color: #d1dced;
    font-size: 14px;
    line-height: 1.9;
}

.trust-points {
    position: relative;
    z-index: 1;
    display: flex;
    flex-direction: column;
    gap: 25px;
    margin-top: 42px;
}

.trust-points > div {
    display: flex;
    align-items: center;
    gap: 14px;
}

.trust-icon {
    flex-shrink: 0;
    width: 36px;
    height: 36px;
    border-radius: 50%;
    display: grid;
    place-items: center;
    color: #e7c16c;
    background: rgba(255,255,255,.12);
    font-weight: 900;
}

.trust-points strong,
.trust-points small {
    display: block;
}

.trust-points strong {
    color: #fff;
    font-size: 14px;
    margin-bottom: 5px;
}

.trust-points small {
    color: #bdcce0;
    font-size: 12px;
}

.trust-bottom {
    position: relative;
    z-index: 1;
    display: flex;
    gap: 12px;
    align-items: center;
    margin-top: auto;
    padding-top: 38px;
}

.trust-bottom > span {
    font-size: 25px;
}

.trust-bottom p {
    color: #c9d6e8;
    font-size: 11px;
    line-height: 1.7;
    margin: 0;
}

/* RIGHT PANEL */

.quote-form-panel {
    padding: 48px 46px;
    background: #fff;
}

.form-top {
    margin-bottom: 30px;
}

.form-step {
    color: #b28a32;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 1.7px;
}

.form-top h2,
.results-heading h2 {
    color: #071c3b;
    font-size: 27px;
    font-weight: 800;
    margin: 10px 0 7px;
}

.form-top p,
.results-heading p {
    color: #778397;
    font-size: 13px;
    margin: 0;
}

.form-section-title {
    display: flex;
    align-items: center;
    gap: 13px;
    padding-bottom: 20px;
    margin-bottom: 22px;
    border-bottom: 1px solid #edf0f5;
}

.form-section-title > span {
    width: 36px;
    height: 36px;
    border-radius: 10px;
    display: grid;
    place-items: center;
    background: #edf3fb;
    color: #174d83;
    font-weight: 800;
    font-size: 13px;
}

.form-section-title strong,
.form-section-title small {
    display: block;
}

.form-section-title strong {
    color: #102a4c;
    font-size: 14px;
}

.form-section-title small {
    margin-top: 4px;
    color: #8792a3;
    font-size: 11px;
}

.quote-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 19px 16px;
}

.quote-field {
    min-width: 0;
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.full-field {
    grid-column: 1 / -1;
    margin-bottom: 19px;
}

.quote-field label,
.callback-select-form > label:not(.consent-label) {
    color: #172f50;
    font-size: 12px;
    font-weight: 800;
}

.quote-field input,
.quote-field select,
.callback-select-form input:not([type="hidden"]):not([type="checkbox"]) {
    width: 100%;
    height: 48px;
    padding: 0 13px;
    border: 1px solid #dce3ed;
    border-radius: 8px;
    background: #fff;
    color: #20344e;
    font-family: inherit;
    font-size: 13px;
    outline: none;
    transition: .2s ease;
}

.quote-field input:focus,
.quote-field select:focus,
.callback-select-form input:focus {
    border-color: #2368a8;
    box-shadow: 0 0 0 3px rgba(35,104,168,.10);
}

.quote-field input::placeholder,
.callback-select-form input::placeholder {
    color: #a0a9b8;
}

.quote-submit {
    width: 100%;
    min-height: 51px;
    margin-top: 25px;
    padding: 12px 18px;
    border: 0;
    border-radius: 8px;
    background: #c39a43;
    color: #071c3b;
    font-family: inherit;
    font-size: 14px;
    font-weight: 800;
    cursor: pointer;
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 12px;
    transition: .2s ease;
}

.quote-submit:hover {
    background: #d8b45f;
    transform: translateY(-1px);
}

.quote-disclaimer {
    margin: 15px 0 0;
    color: #8993a3;
    font-size: 10px;
    line-height: 1.7;
    text-align: center;
}

.quote-alert {
    padding: 13px 16px;
    border-radius: 9px;
    margin-bottom: 20px;
    font-size: 13px;
}

.quote-alert p {
    margin: 4px 0;
}

.quote-alert.success {
    background: #eaf8f0;
    border: 1px solid #c7ead5;
    color: #176b3c;
}

.quote-alert.error {
    background: #fff0f0;
    border: 1px solid #f2d0d0;
    color: #a12e2e;
}

/* QUOTE RESULTS */

.results-heading {
    margin-bottom: 23px;
}

.quote-result-card {
    position: relative;
    border: 1px solid #e1e7ef;
    border-radius: 13px;
    padding: 22px;
    margin-bottom: 18px;
    background: #fff;
}

.quote-result-card.featured {
    border: 1.5px solid #c39a43;
    box-shadow: 0 8px 25px rgba(195,154,67,.10);
}

.result-card-top {
    display: flex;
    align-items: center;
    gap: 12px;
}

.coverage-icon {
    width: 42px;
    height: 42px;
    border-radius: 10px;
    display: grid;
    place-items: center;
    background: #edf3fb;
    font-size: 20px;
}

.coverage-label {
    color: #8a95a5;
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 1px;
}

.quote-result-card h3 {
    margin: 17px 0 7px;
    color: #102b4e;
    font-size: 18px;
}

.quote-result-card > p {
    color: #7b8797;
    font-size: 12px;
    line-height: 1.7;
}

.estimated-price {
    margin: 17px 0;
    color: #0c315c;
    font-size: 29px;
    font-weight: 800;
}

.estimated-price small {
    display: block;
    margin-top: 4px;
    color: #8b96a5;
    font-size: 10px;
    font-weight: 500;
}

.featured-tag {
    position: absolute;
    top: 0;
    right: 18px;
    padding: 6px 10px;
    border-radius: 0 0 7px 7px;
    background: #c39a43;
    color: #071c3b;
    font-size: 9px;
    font-weight: 900;
    letter-spacing: .6px;
}

.callback-select-form {
    display: grid;
    gap: 9px;
    padding-top: 15px;
    border-top: 1px solid #edf0f5;
}

.callback-select-form .quote-submit {
    margin-top: 9px;
}

.consent-label {
    display: flex;
    align-items: flex-start;
    gap: 8px;
    color: #68768a;
    font-size: 10px;
    line-height: 1.5;
}

.consent-label input {
    margin-top: 2px;
}

.change-details {
    display: inline-block;
    margin-top: 20px;
    color: #174d83;
    text-decoration: none;
    font-size: 12px;
    font-weight: 800;
}

.change-details:hover {
    text-decoration: underline;
}

/* MOBILE */

@media (max-width: 850px) {
    .onway-quote-page {
        padding: 35px 15px;
    }

    .onway-quote-layout {
        grid-template-columns: 1fr;
        max-width: 620px;
    }

    .quote-trust-panel {
        padding: 35px 28px;
    }

    .quote-trust-panel h1 {
        margin-top: 22px;
        font-size: 34px;
    }

    .trust-points {
        margin-top: 25px;
        gap: 18px;
    }

    .trust-bottom {
        margin-top: 25px;
        padding-top: 15px;
    }

    .quote-form-panel {
        padding: 35px 28px;
    }
}

@media (max-width: 520px) {
    .onway-quote-page {
        padding: 18px 10px;
    }

    .onway-quote-layout {
        border-radius: 14px;
    }

    .quote-trust-panel {
        padding: 29px 22px;
    }

    .quote-trust-panel h1 {
        font-size: 30px;
    }

    .quote-form-panel {
        padding: 28px 19px;
    }

    .form-top h2,
    .results-heading h2 {
        font-size: 23px;
    }

    .quote-grid {
        grid-template-columns: 1fr;
        gap: 17px;
    }

    .full-field {
        grid-column: auto;
    }

    .quote-result-card {
        padding: 17px;
    }
}


/* =====================================
   ONWAY INSURANCE - ABOUT US PAGE
===================================== */

.about-hero {
    background: linear-gradient(120deg, #071c3b, #0b3470);
    color: #fff;
    padding: 90px 0;
    overflow: hidden;
    position: relative;
}

.about-hero:before {
    content: "";
    position: absolute;
    width: 450px;
    height: 450px;
    right: -100px;
    top: -180px;
    border: 1px solid rgba(255,255,255,.12);
    border-radius: 50%;
    box-shadow: 0 0 0 50px rgba(255,255,255,.025),
                0 0 0 100px rgba(255,255,255,.02);
}

.about-hero-inner {
    display: grid;
    grid-template-columns: 1.15fr .85fr;
    align-items: center;
    gap: 65px;
    position: relative;
    z-index: 1;
}

.about-eyebrow {
    display: inline-block;
    color: #d9a52d;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 2px;
    margin-bottom: 18px;
}

.about-hero h1 {
    color: #fff;
    font-size: clamp(36px, 4.5vw, 58px);
    line-height: 1.17;
    font-weight: 800;
    margin: 0 0 22px;
}

.about-hero h1 span,
.about-section-heading h2 span,
.about-centered-heading h2 span,
.about-commitment h2 span {
    color: #e4b64e;
}

.about-hero-content > p {
    max-width: 590px;
    color: #d2deef;
    font-size: 16px;
    line-height: 1.9;
    margin-bottom: 30px;
}

.about-primary-btn {
    display: inline-flex;
    align-items: center;
    gap: 18px;
    background: #e2ad3e;
    color: #071c3b;
    padding: 15px 23px;
    border-radius: 8px;
    font-size: 14px;
    font-weight: 800;
    text-decoration: none;
    transition: .25s ease;
}

.about-primary-btn:hover {
    background: #fff;
    color: #071c3b;
    transform: translateY(-3px);
}

.about-hero-visual {
    min-height: 350px;
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
}

.about-shield {
    width: 255px;
    height: 255px;
    border-radius: 50%;
    background: linear-gradient(145deg, #fff, #eaf1fc);
    color: #071c3b;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    box-shadow: 0 25px 70px rgba(0,0,0,.25);
    border: 8px solid rgba(226,173,62,.8);
}

.shield-circle {
    font-size: 55px;
    margin-bottom: 5px;
}

.about-shield strong {
    font-size: 25px;
    letter-spacing: 2px;
}

.about-shield > span {
    font-size: 12px;
    letter-spacing: 5px;
    font-weight: 800;
    color: #1762bc;
}

.about-shield small {
    margin-top: 8px;
    font-size: 9px;
    color: #52647c;
}

.about-floating-card {
    position: absolute;
    display: flex;
    align-items: center;
    gap: 12px;
    background: #fff;
    color: #071c3b;
    padding: 15px 18px;
    border-radius: 12px;
    box-shadow: 0 12px 35px rgba(0,0,0,.18);
    min-width: 220px;
}

.about-floating-card > span {
    width: 38px;
    height: 38px;
    background: #edf3ff;
    color: #1762bc;
    display: grid;
    place-items: center;
    border-radius: 9px;
    font-size: 20px;
}

.about-floating-card strong,
.about-floating-card small {
    display: block;
}

.about-floating-card strong {
    font-size: 13px;
}

.about-floating-card small {
    font-size: 10px;
    color: #718096;
    margin-top: 4px;
}

.card-top {
    top: 20px;
    right: -10px;
}

.card-bottom {
    bottom: 20px;
    left: -10px;
}

/* INTRO */

.section-padding {
    padding: 85px 0;
}

.about-intro-grid {
    display: grid;
    grid-template-columns: .85fr 1.15fr;
    gap: 75px;
    align-items: start;
}

.about-section-heading h2,
.about-centered-heading h2 {
    color: #071c3b;
    font-size: clamp(30px, 3vw, 42px);
    line-height: 1.3;
    margin: 0;
}

.about-section-heading h2 span,
.about-centered-heading h2 span {
    color: #1762bc;
}

.about-intro-text p {
    color: #68788f;
    font-size: 15px;
    line-height: 1.9;
    margin: 0 0 18px;
}

/* MISSION VISION VALUES */

.about-vision-section {
    padding: 75px 0;
    background: #f4f7fc;
}

.about-vision-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.vision-card {
    background: #fff;
    padding: 35px 28px;
    border: 1px solid #e5eaf2;
    border-radius: 16px;
    transition: .3s ease;
}

.vision-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 18px 40px rgba(8,35,75,.09);
}

.vision-highlight {
    border-color: #d9a52d;
}

.vision-icon {
    font-size: 31px;
    margin-bottom: 20px;
}

.vision-card > span {
    color: #1762bc;
    font-size: 11px;
    letter-spacing: 1.5px;
    font-weight: 800;
}

.vision-card h3 {
    color: #071c3b;
    font-size: 21px;
    line-height: 1.45;
    margin: 12px 0;
}

.vision-card p {
    color: #728198;
    font-size: 14px;
    line-height: 1.8;
    margin: 0;
}

/* SOLUTIONS */

.about-centered-heading {
    text-align: center;
    max-width: 750px;
    margin: 0 auto 45px;
}

.about-centered-heading > p {
    color: #718096;
    font-size: 15px;
    line-height: 1.8;
    margin-top: 15px;
}

.about-solutions-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 22px;
}

.about-solution {
    display: block;
    text-decoration: none;
    background: #fff;
    padding: 28px;
    border: 1px solid #e3eaf4;
    border-radius: 14px;
    transition: .3s ease;
}

.about-solution:hover {
    border-color: #dfa929;
    transform: translateY(-5px);
    box-shadow: 0 16px 35px rgba(7,28,59,.08);
}

.about-solution > span {
    width: 53px;
    height: 53px;
    display: grid;
    place-items: center;
    background: #edf3ff;
    border-radius: 12px;
    font-size: 26px;
    margin-bottom: 20px;
}

.about-solution h3 {
    color: #071c3b;
    font-size: 18px;
    margin: 0 0 10px;
}

.about-solution p {
    color: #718096;
    font-size: 13px;
    line-height: 1.7;
    margin-bottom: 17px;
}

.about-solution small {
    color: #1762bc;
    font-size: 13px;
    font-weight: 800;
}

/* LEADERSHIP */

.about-leadership {
    background: #f4f7fc;
}

.leadership-inner {
    max-width: 1000px;
    display: grid;
    grid-template-columns: .7fr 1.3fr;
    gap: 65px;
    align-items: center;
    background: #fff;
    padding: 55px;
    border-radius: 20px;
    border: 1px solid #e5eaf2;
    box-shadow: 0 15px 45px rgba(7,28,59,.06);
}

.leadership-symbol {
    min-height: 250px;
    background: linear-gradient(145deg, #071c3b, #1455a3);
    border-radius: 16px;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    color: #fff;
}

.leadership-avatar {
    width: 120px;
    height: 120px;
    border: 3px solid #e2ad3e;
    background: #fff;
    color: #071c3b;
    border-radius: 50%;
    display: grid;
    place-items: center;
    font-size: 38px;
    font-weight: 800;
    margin-bottom: 18px;
}

.leadership-symbol > span {
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 2px;
}

.leadership-content h2 {
    color: #071c3b;
    font-size: 35px;
    margin: 0 0 5px;
}

.leadership-content h3 {
    color: #1762bc;
    font-size: 13px;
    letter-spacing: 2px;
    margin-bottom: 20px;
}

.leadership-content > p {
    color: #718096;
    font-size: 14px;
    line-height: 1.9;
}

.leadership-signature {
    border-top: 1px solid #e8edf4;
    padding-top: 18px;
    margin-top: 25px;
}

.leadership-signature span,
.leadership-signature strong {
    display: block;
}

.leadership-signature span {
    color: #8290a3;
    font-size: 12px;
}

.leadership-signature strong {
    color: #071c3b;
    font-size: 22px;
    margin-top: 6px;
}

/* FINAL CTA */

.about-commitment {
    background: #071c3b;
    padding: 85px 20px;
    text-align: center;
    color: #fff;
}

.commitment-inner {
    max-width: 750px;
}

.about-commitment h2 {
    color: #fff;
    font-size: clamp(30px, 4vw, 44px);
    margin: 0 0 17px;
}

.about-commitment p {
    color: #d2deef;
    font-size: 15px;
    line-height: 1.9;
    margin-bottom: 28px;
}

/* RESPONSIVE */

@media (max-width: 900px) {
    .about-hero-inner {
        grid-template-columns: 1fr;
        gap: 30px;
    }

    .about-hero-content {
        text-align: center;
    }

    .about-hero-content > p {
        margin-left: auto;
        margin-right: auto;
    }

    .about-intro-grid {
        grid-template-columns: 1fr;
        gap: 25px;
    }

    .about-vision-grid {
        grid-template-columns: 1fr 1fr;
    }

    .about-solutions-grid {
        grid-template-columns: 1fr 1fr;
    }

    .leadership-inner {
        grid-template-columns: 1fr;
        gap: 30px;
    }
}

@media (max-width: 600px) {
    .about-hero {
        padding: 60px 0;
    }

    .about-hero h1 {
        font-size: 36px;
    }

    .about-hero-visual {
        min-height: 300px;
    }

    .about-shield {
        width: 205px;
        height: 205px;
    }

    .about-floating-card {
        min-width: 175px;
        padding: 10px;
    }

    .card-top {
        right: 0;
        top: 5px;
    }

    .card-bottom {
        left: 0;
        bottom: 5px;
    }

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

    .about-vision-grid,
    .about-solutions-grid {
        grid-template-columns: 1fr;
    }

    .leadership-inner {
        padding: 25px;
    }

    .leadership-content h2 {
        font-size: 29px;
    }
}


/* ABOUT PAGE - SPACING CORRECTION */

.about-commitment {
    padding: 55px 20px 45px !important;
    margin-bottom: 0 !important;
}

.about-commitment .commitment-inner {
    padding: 0 !important;
}

.about-commitment h2 {
    margin-bottom: 12px !important;
}

.about-commitment p {
    margin-bottom: 20px !important;
}

.about-commitment .about-primary-btn {
    margin-bottom: 0 !important;
}

.about-leadership {
    padding: 65px 0 !important;
    margin-bottom: 0 !important;
}

.about-commitment + footer,
.about-commitment + .site-footer {
    margin-top: 0 !important;
}

.site-footer {
    margin-top: 0 !important;
}

@media (max-width: 600px) {
    .about-commitment {
        padding: 42px 18px !important;
    }

    .about-leadership {
        padding: 45px 0 !important;
    }
}


/* ==========================================
   ONWAY INSURANCE - PROFESSIONAL CONTACT PAGE
========================================== */

.contact-hero {
    background: linear-gradient(115deg, #071c3b 0%, #0b3470 65%, #1455a3 100%);
    color: #fff;
    padding: 65px 0;
    overflow: hidden;
    position: relative;
}

.contact-hero:after {
    content: "";
    position: absolute;
    width: 480px;
    height: 480px;
    border: 1px solid rgba(255,255,255,.10);
    border-radius: 50%;
    right: -120px;
    top: -200px;
    box-shadow: 0 0 0 55px rgba(255,255,255,.025),
                0 0 0 110px rgba(255,255,255,.02);
}

.contact-hero-inner {
    display: grid;
    grid-template-columns: 1.2fr .8fr;
    gap: 50px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.contact-eyebrow,
.contact-section-label {
    display: inline-block;
    color: #d9a52d;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 2px;
    margin-bottom: 15px;
}

.contact-hero h1 {
    font-size: clamp(36px, 4.5vw, 56px);
    color: #fff;
    line-height: 1.18;
    margin: 0 0 20px;
    font-weight: 800;
}

.contact-hero h1 span {
    color: #e4b64e;
}

.contact-hero-content > p {
    max-width: 650px;
    color: #d1deef;
    font-size: 15px;
    line-height: 1.9;
    margin-bottom: 30px;
}

.contact-hero-features {
    display: flex;
    flex-wrap: wrap;
    gap: 25px;
}

.contact-feature {
    display: flex;
    align-items: center;
    gap: 10px;
}

.contact-feature > span {
    width: 39px;
    height: 39px;
    display: grid;
    place-items: center;
    background: #1762bc;
    border-radius: 9px;
    color: #fff;
    font-size: 19px;
}

.contact-feature strong,
.contact-feature small {
    display: block;
}

.contact-feature strong {
    color: #fff;
    font-size: 12px;
}

.contact-feature small {
    color: #b9cce5;
    font-size: 10px;
    margin-top: 4px;
}

.contact-hero-art {
    min-height: 290px;
    display: flex;
    justify-content: center;
    align-items: center;
    position: relative;
}

.contact-art-circle {
    width: 245px;
    height: 245px;
    background: linear-gradient(145deg, #fff, #e9f0fc);
    border: 8px solid #d9a52d;
    border-radius: 50%;
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    color: #071c3b;
    box-shadow: 0 25px 65px rgba(0,0,0,.25);
}

.contact-art-shield {
    font-size: 52px;
    margin-bottom: 5px;
}

.contact-art-circle strong {
    font-size: 26px;
    letter-spacing: 2px;
}

.contact-art-circle > span {
    font-size: 11px;
    letter-spacing: 5px;
    color: #1762bc;
    font-weight: 800;
}

.contact-art-circle small {
    color: #66758a;
    font-size: 9px;
    margin-top: 8px;
}

.contact-art-badge {
    position: absolute;
    bottom: 12px;
    right: 0;
    background: #fff;
    color: #071c3b;
    border-radius: 10px;
    padding: 13px 17px;
    box-shadow: 0 10px 30px rgba(0,0,0,.2);
    font-size: 12px;
    font-weight: 800;
}

.contact-art-badge span {
    color: #16a36a;
    margin-right: 6px;
}


/* CONTACT INFORMATION */

.contact-info-section {
    padding: 35px 0 20px;
    background: #f5f8fd;
}

.contact-info-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
}

.contact-info-card {
    display: flex;
    gap: 13px;
    padding: 22px 17px;
    background: #fff;
    border: 1px solid #e4eaf3;
    border-radius: 13px;
    box-shadow: 0 7px 25px rgba(7,28,59,.035);
    transition: .25s ease;
}

.contact-info-card:hover {
    transform: translateY(-4px);
    border-color: #d9a52d;
    box-shadow: 0 12px 30px rgba(7,28,59,.07);
}

.contact-info-icon {
    flex-shrink: 0;
    width: 42px;
    height: 42px;
    display: grid;
    place-items: center;
    background: #edf3ff;
    color: #1762bc;
    border-radius: 10px;
    font-size: 21px;
}

.contact-info-card > div:last-child {
    min-width: 0;
}

.contact-info-card span {
    color: #1762bc;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: 1.2px;
}

.contact-info-card h3 {
    color: #071c3b;
    font-size: 15px;
    margin: 5px 0 8px;
}

.contact-info-card a {
    display: block;
    color: #153f78;
    font-size: 12px;
    font-weight: 700;
    text-decoration: none;
    overflow-wrap: anywhere;
}

.contact-info-card p {
    color: #50627c;
    font-size: 11px;
    line-height: 1.6;
    margin: 0;
}

.contact-info-card small {
    display: block;
    color: #8491a4;
    font-size: 10px;
    line-height: 1.5;
    margin-top: 8px;
}


/* MAIN CONTACT AREA */

.contact-main-section {
    padding: 35px 0 65px;
    background: #f5f8fd;
}

.contact-main-grid {
    display: grid;
    grid-template-columns: 1.55fr .85fr;
    gap: 22px;
    align-items: start;
}

.contact-form-card,
.contact-help-card,
.contact-connect-card,
.contact-trust-card {
    background: #fff;
    border: 1px solid #e5eaf2;
    border-radius: 15px;
    box-shadow: 0 8px 28px rgba(7,28,59,.045);
}

.contact-form-card {
    padding: 35px;
}

.contact-form-card h2 {
    color: #071c3b;
    font-size: clamp(27px, 3vw, 35px);
    margin: 0 0 10px;
    line-height: 1.3;
}

.contact-form-card h2 span {
    color: #1762bc;
}

.contact-form-description {
    color: #77869c;
    font-size: 13px;
    line-height: 1.7;
    margin-bottom: 27px;
}

.contact-input-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 19px 16px;
}

.contact-field {
    display: flex;
    flex-direction: column;
    gap: 8px;
    min-width: 0;
}

.contact-field label {
    color: #263c5a;
    font-size: 12px;
    font-weight: 700;
}

.contact-field input,
.contact-field select,
.contact-field textarea {
    width: 100%;
    min-width: 0;
    padding: 13px 14px;
    border: 1px solid #dce4ef;
    border-radius: 8px;
    background: #fff;
    color: #071c3b;
    font-family: inherit;
    font-size: 13px;
    outline: none;
    transition: .2s ease;
    box-sizing: border-box;
}

.contact-field input,
.contact-field select {
    height: 46px;
}

.contact-field textarea {
    resize: vertical;
    min-height: 125px;
}

.contact-field input:focus,
.contact-field select:focus,
.contact-field textarea:focus {
    border-color: #1762bc;
    box-shadow: 0 0 0 3px rgba(23,98,188,.09);
}

.contact-field input::placeholder,
.contact-field textarea::placeholder {
    color: #a0adbf;
}

.contact-field.full-field {
    grid-column: 1 / -1;
}

.contact-consent {
    display: flex;
    align-items: flex-start;
    gap: 9px;
    color: #748198;
    font-size: 11px;
    line-height: 1.6;
    margin: 20px 0;
    cursor: pointer;
}

.contact-consent input {
    accent-color: #1762bc;
    margin-top: 2px;
}

.contact-submit-btn {
    display: inline-flex;
    justify-content: center;
    align-items: center;
    gap: 12px;
    padding: 14px 23px;
    background: #e4b13f;
    border: none;
    border-radius: 8px;
    color: #071c3b;
    font-family: inherit;
    font-weight: 800;
    font-size: 13px;
    cursor: pointer;
    transition: .25s ease;
}

.contact-submit-btn:hover {
    background: #071c3b;
    color: #fff;
    transform: translateY(-2px);
}

.contact-privacy-note {
    font-size: 10px;
    color: #9aa5b5;
    margin: 13px 0 0;
}

.contact-alert {
    padding: 15px 17px;
    border-radius: 9px;
    margin-bottom: 20px;
    font-size: 12px;
    line-height: 1.7;
}

.contact-alert p {
    margin: 5px 0 0;
}

.contact-alert.success {
    background: #eaf8f0;
    border: 1px solid #b9e6ca;
    color: #17683b;
}

.contact-alert.error {
    background: #fff0f0;
    border: 1px solid #f3c5c5;
    color: #a32929;
}


/* RIGHT SIDE */

.contact-right-column {
    display: flex;
    flex-direction: column;
    gap: 18px;
}

.contact-help-card {
    background: linear-gradient(145deg, #071c3b, #10458a);
    padding: 28px;
    color: #fff;
}

.contact-help-card h3 {
    font-size: 24px;
    line-height: 1.4;
    color: #fff;
    margin: 0 0 12px;
}

.contact-help-card > p {
    color: #c5d5ea;
    font-size: 13px;
    line-height: 1.8;
    margin-bottom: 23px;
}

.contact-call-btn,
.contact-whatsapp-btn {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 8px;
    text-decoration: none;
    padding: 13px;
    border-radius: 8px;
    font-size: 12px;
    font-weight: 800;
    margin-top: 11px;
    transition: .2s ease;
}

.contact-call-btn {
    background: #e4b13f;
    color: #071c3b;
}

.contact-whatsapp-btn {
    border: 1px solid rgba(255,255,255,.35);
    color: #fff;
}

.contact-call-btn:hover,
.contact-whatsapp-btn:hover {
    transform: translateY(-2px);
    background: #fff;
    color: #071c3b;
}

.contact-connect-card {
    padding: 25px;
}

.contact-connect-card h3 {
    color: #071c3b;
    font-size: 21px;
    margin: 0 0 9px;
}

.contact-connect-card p {
    color: #7b899e;
    font-size: 12px;
    line-height: 1.7;
}

.contact-social-links {
    display: flex;
    gap: 12px;
    margin-top: 18px;
}

.contact-social-links a {
    width: 39px;
    height: 39px;
    display: grid;
    place-items: center;
    border-radius: 50%;
    background: #edf3ff;
    color: #1762bc;
    text-decoration: none;
    font-size: 19px;
    font-weight: 800;
    transition: .2s ease;
}

.contact-social-links a:hover {
    background: #1762bc;
    color: #fff;
    transform: translateY(-3px);
}

.contact-trust-card {
    padding: 20px;
    display: flex;
    align-items: center;
    gap: 15px;
    background: #edf4ff;
}

.trust-card-icon {
    font-size: 32px;
}

.contact-trust-card h3 {
    color: #071c3b;
    font-size: 15px;
    margin: 0 0 5px;
}

.contact-trust-card p {
    color: #73839a;
    font-size: 11px;
    line-height: 1.6;
    margin: 0;
}


/* BOTTOM CTA */

.contact-bottom-cta {
    background: #071c3b;
    padding: 38px 0;
}

.contact-bottom-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 25px;
}

.contact-bottom-inner > div > span {
    color: #e4b13f;
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 2px;
}

.contact-bottom-inner h2 {
    color: #fff;
    font-size: 27px;
    margin: 7px 0;
}

.contact-bottom-inner p {
    color: #c5d5ea;
    font-size: 12px;
    margin: 0;
}

.contact-bottom-inner > a {
    display: inline-block;
    padding: 14px 22px;
    background: #e4b13f;
    border-radius: 8px;
    color: #071c3b;
    font-size: 12px;
    font-weight: 800;
    text-decoration: none;
    white-space: nowrap;
}


/* RESPONSIVE */

@media (max-width: 1050px) {
    .contact-info-grid {
        grid-template-columns: 1fr 1fr;
    }

    .contact-main-grid {
        grid-template-columns: 1.2fr .8fr;
    }
}

@media (max-width: 800px) {
    .contact-hero-inner {
        grid-template-columns: 1fr;
        gap: 25px;
    }

    .contact-hero-content {
        text-align: center;
    }

    .contact-hero-content > p {
        margin-left: auto;
        margin-right: auto;
    }

    .contact-hero-features {
        justify-content: center;
    }

    .contact-hero-art {
        min-height: 260px;
    }

    .contact-main-grid {
        grid-template-columns: 1fr;
    }

    .contact-bottom-inner {
        flex-direction: column;
        align-items: flex-start;
    }
}

@media (max-width: 550px) {
    .contact-hero {
        padding: 48px 0;
    }

    .contact-hero h1 {
        font-size: 36px;
    }

    .contact-hero-features {
        display: grid;
        grid-template-columns: 1fr 1fr;
        text-align: left;
        gap: 15px;
    }

    .contact-art-circle {
        width: 205px;
        height: 205px;
    }

    .contact-info-grid {
        grid-template-columns: 1fr;
    }

    .contact-form-card {
        padding: 23px 17px;
    }

    .contact-input-grid {
        grid-template-columns: 1fr;
    }

    .contact-field.full-field {
        grid-column: auto;
    }

    .contact-submit-btn {
        width: 100%;
    }

    .contact-bottom-inner h2 {
        font-size: 23px;
    }

    .contact-bottom-inner > a {
        width: 100%;
        text-align: center;
        box-sizing: border-box;
    }
}

/* ====================================
   ONWAY - PRIVACY POLICY PAGE
==================================== */

.policy-hero {
    background: linear-gradient(115deg, #071c3b, #10478e);
    padding: 65px 0 60px;
    color: #fff;
    position: relative;
    overflow: hidden;
}

.policy-hero:after {
    content: "";
    position: absolute;
    width: 400px;
    height: 400px;
    border: 1px solid rgba(255,255,255,.12);
    border-radius: 50%;
    right: -100px;
    top: -190px;
    box-shadow: 0 0 0 55px rgba(255,255,255,.025),
                0 0 0 110px rgba(255,255,255,.025);
}

.policy-hero .container {
    position: relative;
    z-index: 1;
}

.policy-eyebrow {
    color: #e4b13f;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 2px;
}

.policy-hero h1 {
    font-size: clamp(37px, 5vw, 53px);
    color: #fff;
    margin: 15px 0;
    font-weight: 800;
}

.policy-hero h1 span {
    color: #e4b13f;
}

.policy-hero p {
    max-width: 650px;
    color: #d0deef;
    font-size: 14px;
    line-height: 1.9;
}

.policy-meta {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-top: 22px;
    color: #e3b74f;
    font-size: 11px;
    font-weight: 700;
}


/* MAIN LAYOUT */

.policy-main {
    background: #f5f8fd;
    padding: 55px 0 70px;
}

.policy-layout {
    display: grid;
    grid-template-columns: 260px minmax(0, 1fr);
    gap: 28px;
    align-items: start;
}

.policy-sidebar-card {
    background: #fff;
    border: 1px solid #e4eaf2;
    border-radius: 13px;
    padding: 22px 18px;
    position: sticky;
    top: 100px;
    box-shadow: 0 8px 25px rgba(7,28,59,.04);
}

.policy-sidebar-card > span {
    display: block;
    color: #d19c27;
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 1.5px;
    margin-bottom: 17px;
}

.policy-sidebar-card a {
    display: block;
    color: #52647c;
    text-decoration: none;
    font-size: 11px;
    font-weight: 600;
    padding: 10px 8px;
    border-radius: 6px;
    border-bottom: 1px solid #f0f2f6;
    transition: .2s ease;
}

.policy-sidebar-card a:hover {
    color: #1762bc;
    background: #edf4ff;
    padding-left: 13px;
}


/* POLICY CONTENT */

.policy-content {
    background: #fff;
    border: 1px solid #e5eaf2;
    border-radius: 14px;
    padding: 35px;
    min-width: 0;
    box-shadow: 0 8px 30px rgba(7,28,59,.035);
}

.policy-intro-box {
    display: flex;
    align-items: flex-start;
    gap: 17px;
    padding: 23px;
    background: #edf4ff;
    border-left: 4px solid #1762bc;
    border-radius: 9px;
    margin-bottom: 32px;
}

.policy-intro-icon {
    font-size: 30px;
}

.policy-intro-box h2 {
    color: #071c3b;
    font-size: 17px;
    margin: 0 0 8px;
}

.policy-intro-box p {
    color: #65758d;
    font-size: 12px;
    line-height: 1.8;
    margin: 0;
}

.policy-section {
    position: relative;
    padding: 0 0 27px;
    margin-bottom: 27px;
    border-bottom: 1px solid #edf0f5;
    scroll-margin-top: 105px;
}

.policy-number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 31px;
    height: 31px;
    background: #edf4ff;
    color: #1762bc;
    border-radius: 8px;
    font-size: 11px;
    font-weight: 800;
    margin-bottom: 12px;
}

.policy-section h2 {
    color: #071c3b;
    font-size: 21px;
    margin: 0 0 13px;
}

.policy-section p {
    color: #687991;
    font-size: 13px;
    line-height: 1.9;
    margin: 0 0 12px;
}

.policy-section ul {
    padding-left: 20px;
    margin: 12px 0 15px;
}

.policy-section li {
    color: #687991;
    font-size: 13px;
    line-height: 1.9;
    padding-left: 5px;
    margin-bottom: 5px;
}

.policy-section li::marker {
    color: #d9a52d;
}


/* DETAIL CARDS */

.policy-detail-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    margin: 20px 0;
}

.policy-detail-card {
    padding: 18px;
    border: 1px solid #e6ecf5;
    border-radius: 9px;
    background: #fbfcff;
}

.policy-detail-card > span {
    font-size: 23px;
}

.policy-detail-card h3 {
    color: #102c50;
    font-size: 13px;
    margin: 9px 0 6px;
}

.policy-detail-card p {
    font-size: 11px;
    line-height: 1.7;
    margin: 0;
}


/* CONTACT BOX */

.policy-contact-box {
    background: #f5f8fd;
    padding: 24px;
    border: 1px solid #e6ecf5;
    border-radius: 10px;
}

.policy-contact-details {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 15px;
    margin: 20px 0;
}

.policy-contact-details > div {
    background: #fff;
    padding: 15px;
    border: 1px solid #e7edf5;
    border-radius: 8px;
    min-width: 0;
}

.policy-contact-details span {
    display: block;
    color: #9a792e;
    font-size: 9px;
    font-weight: 800;
    letter-spacing: 1px;
    margin-bottom: 8px;
}

.policy-contact-details a {
    color: #174b8a;
    font-size: 12px;
    font-weight: 700;
    text-decoration: none;
    overflow-wrap: anywhere;
}

.policy-contact-btn {
    display: inline-block;
    padding: 13px 20px;
    background: #071c3b;
    color: #fff;
    text-decoration: none;
    border-radius: 7px;
    font-size: 12px;
    font-weight: 800;
    transition: .2s ease;
}

.policy-contact-btn:hover {
    background: #d9a52d;
    color: #071c3b;
}


/* CLOSING */

.policy-closing {
    text-align: center;
    padding: 25px 10px 5px;
}

.policy-closing span {
    color: #d19c27;
    font-size: 10px;
    font-weight: 800;
    letter-spacing: 2px;
}

.policy-closing h3 {
    color: #071c3b;
    font-size: 23px;
    margin: 9px 0;
}

.policy-closing p {
    color: #8794a7;
    font-size: 11px;
}


/* RESPONSIVE */

@media (max-width: 850px) {
    .policy-layout {
        grid-template-columns: 1fr;
    }

    .policy-sidebar-card {
        position: static;
    }

    .policy-sidebar-card a {
        display: inline-block;
        margin: 3px;
        border: 1px solid #edf0f5;
    }
}

@media (max-width: 550px) {
    .policy-hero {
        padding: 45px 0;
    }

    .policy-main {
        padding: 30px 0 45px;
    }

    .policy-content {
        padding: 20px 15px;
    }

    .policy-detail-grid,
    .policy-contact-details {
        grid-template-columns: 1fr;
    }

    .policy-intro-box {
        padding: 17px;
    }

    .policy-section h2 {
        font-size: 19px;
    }
}

/* PRIVACY POLICY - REDUCE EXCESSIVE SPACING */

/* Top hero section */
.policy-hero {
    padding: 35px 0 32px !important;
}

.policy-hero h1 {
    margin: 8px 0 10px !important;
}

.policy-hero p {
    margin-bottom: 10px !important;
}

.policy-meta {
    margin-top: 12px !important;
}

/* Main policy section */
.policy-main {
    padding: 30px 0 35px !important;
}

/* Content card */
.policy-content {
    padding: 25px !important;
}

/* Intro box */
.policy-intro-box {
    margin-bottom: 22px !important;
    padding: 17px 20px !important;
}

/* Section spacing */
.policy-section {
    padding-bottom: 19px !important;
    margin-bottom: 19px !important;
}

/* Closing section */
.policy-closing {
    padding: 15px 10px 0 !important;
}

/* Mobile spacing */
@media (max-width: 550px) {
    .policy-hero {
        padding: 28px 0 !important;
    }

    .policy-main {
        padding: 20px 0 25px !important;
    }

    .policy-content {
        padding: 17px 14px !important;
    }

    .policy-intro-box {
        padding: 14px !important;
    }
}

/* TERMS PAGE IMPROVEMENTS */

.policy-hero {
    padding: 35px 0 32px;
}

.policy-main {
    padding: 30px 0 35px;
}

.policy-content {
    padding: 25px;
}

.policy-intro-box {
    margin-bottom: 22px;
}

.policy-section {
    scroll-margin-top: 105px;
}

@media (max-width: 550px) {
    .policy-hero {
        padding: 28px 0;
    }

    .policy-main {
        padding: 20px 0 25px;
    }

    .policy-content {
        padding: 17px 14px;
    }
}

/* ONWAY DISCLAIMER PAGE */

.policy-hero {
    padding: 35px 0 32px;
}

.policy-main {
    padding: 30px 0 35px;
}

.policy-content {
    padding: 25px;
}

.policy-section {
    scroll-margin-top: 105px;
}

.policy-intro-box {
    margin-bottom: 22px;
}

@media (max-width: 550px) {
    .policy-hero {
        padding: 28px 0;
    }

    .policy-main {
        padding: 20px 0 25px;
    }

    .policy-content {
        padding: 17px 14px;
    }
}


/* =========================================
   ONWAY INSURANCE - HOMEPAGE SPACING FIX
   Add this at the END of style.css
========================================= */

/* Common container */
.container {
    width: min(100% - 40px, 1080px);
    margin-left: auto;
    margin-right: auto;
}

/* Hero section */
.universal-hero {
    padding-top: 55px !important;
    padding-bottom: 55px !important;
    min-height: auto !important;
}

.universal-container {
    gap: 35px !important;
}

/* Insurance categories */
.insurance-section,
.insurance-categories,
#insurance {
    padding-top: 55px !important;
    padding-bottom: 55px !important;
}

/* Why choose us */
.benefits-section,
.why-section,
#why-us {
    padding-top: 55px !important;
    padding-bottom: 55px !important;
}

/* How it works */
.process-section,
.how-it-works,
#how-it-works {
    padding-top: 55px !important;
    padding-bottom: 55px !important;
}

/* POSP banner */
.agent-section,
.posp-section {
    padding-top: 55px !important;
    padding-bottom: 55px !important;
}

/* Final contact CTA */
.final-cta,
.cta-section {
    padding-top: 35px !important;
    padding-bottom: 35px !important;
}

/* Section headings */
.section-heading {
    margin-bottom: 28px !important;
}

.section-heading h2 {
    margin-bottom: 10px !important;
}

/* Cards */
.insurance-grid,
.benefits-grid,
.process-grid {
    gap: 20px !important;
}

/* Remove excessive heading and paragraph gaps */
section h2 {
    margin-top: 0;
}

section p {
    margin-bottom: 12px;
}

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

    .container {
        width: min(100% - 30px, 100%);
    }

    .universal-hero {
        padding-top: 35px !important;
        padding-bottom: 35px !important;
    }

    .insurance-section,
    .insurance-categories,
    #insurance,
    .benefits-section,
    .why-section,
    #why-us,
    .process-section,
    .how-it-works,
    #how-it-works,
    .agent-section,
    .posp-section {
        padding-top: 38px !important;
        padding-bottom: 38px !important;
    }

    .final-cta,
    .cta-section {
        padding-top: 28px !important;
        padding-bottom: 28px !important;
    }

    .section-heading {
        margin-bottom: 22px !important;
    }

    .insurance-grid,
    .benefits-grid,
    .process-grid {
        gap: 15px !important;
    }
}

/* ======================================
   ONWAY POSP COMING SOON PAGE
====================================== */

.posp-coming-page {
    position: relative;
    overflow: hidden;
    color: #fff;
    background: linear-gradient(115deg, #071b38, #103f7c 65%, #0752a0);
    padding: 65px 0 0;
}

.posp-coming-container {
    width: min(1080px, calc(100% - 40px));
    min-height: 490px;
    margin: auto;
    display: grid;
    grid-template-columns: 1.05fr .95fr;
    align-items: center;
    gap: 45px;
}

.posp-coming-label {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    color: #ffc64b;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 2px;
    margin-bottom: 23px;
}

.posp-live-dot {
    width: 8px;
    height: 8px;
    background: #35d69a;
    border-radius: 50%;
    box-shadow: 0 0 12px #35d69a;
}

.posp-coming-content h1 {
    color: #fff;
    font-size: clamp(38px, 5vw, 59px);
    line-height: 1.12;
    font-weight: 800;
    letter-spacing: -2px;
    margin: 0 0 22px;
}

.posp-coming-content h1 span {
    display: block;
    color: #ffc64b;
}

.posp-coming-description {
    max-width: 510px;
    color: #d5e2f4;
    font-size: 15px;
    line-height: 1.9;
    margin-bottom: 28px;
}

.posp-coming-status {
    display: flex;
    align-items: center;
    gap: 14px;
    width: fit-content;
    min-width: 285px;
    padding: 15px 20px;
    background: rgba(255,255,255,.09);
    border: 1px solid rgba(255,255,255,.17);
    border-radius: 12px;
    margin-bottom: 25px;
}

.posp-status-icon {
    width: 43px;
    height: 43px;
    display: grid;
    place-items: center;
    background: rgba(255,198,75,.15);
    border-radius: 10px;
    font-size: 22px;
}

.posp-coming-status strong,
.posp-coming-status span {
    display: block;
}

.posp-coming-status strong {
    font-size: 14px;
    margin-bottom: 5px;
}

.posp-coming-status div:last-child span {
    color: #ffc64b;
    font-size: 12px;
    font-weight: 700;
}

.posp-coming-buttons {
    display: flex;
    flex-wrap: wrap;
    gap: 13px;
}

.posp-coming-primary,
.posp-coming-secondary {
    min-height: 49px;
    padding: 0 22px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    border-radius: 8px;
    font-size: 13px;
    font-weight: 800;
    text-decoration: none;
    transition: .25s ease;
}

.posp-coming-primary {
    background: #f2b932;
    color: #071b38;
}

.posp-coming-primary:hover {
    background: #ffd36a;
    transform: translateY(-3px);
}

.posp-coming-secondary {
    color: #fff;
    border: 1px solid rgba(255,255,255,.55);
}

.posp-coming-secondary:hover {
    background: #fff;
    color: #071b38;
}

.posp-coming-trust {
    display: flex;
    flex-wrap: wrap;
    gap: 17px;
    margin-top: 28px;
    color: #e7edf7;
    font-size: 11px;
    font-weight: 700;
}

.posp-coming-trust span::first-letter {
    color: #ffc64b;
}

/* Visual area */

.posp-coming-visual {
    min-height: 390px;
    position: relative;
    display: grid;
    place-items: center;
}

.posp-visual-ring {
    position: absolute;
    border: 1px solid rgba(255,198,75,.4);
    border-radius: 50%;
    animation: pospPulse 4s ease-in-out infinite;
}

.ring-one {
    width: 285px;
    height: 285px;
}

.ring-two {
    width: 355px;
    height: 355px;
    border-style: dashed;
    opacity: .55;
    animation-delay: 1s;
}

.posp-visual-center {
    width: 220px;
    height: 220px;
    border-radius: 50%;
    background: linear-gradient(145deg, #1761b0, #082c5c);
    border: 1px solid rgba(255,198,75,.6);
    box-shadow: 0 20px 70px rgba(0,0,0,.2);
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    text-align: center;
    position: relative;
    z-index: 2;
}

.posp-visual-icon {
    font-size: 47px;
    margin-bottom: 15px;
}

.posp-visual-center strong {
    color: #ffc64b;
    font-size: 15px;
    letter-spacing: 1px;
}

.posp-visual-center span {
    font-size: 11px;
    color: #d8e7f8;
    margin-top: 9px;
}

.posp-floating-card {
    position: absolute;
    z-index: 3;
    display: flex;
    align-items: center;
    gap: 11px;
    background: #fff;
    color: #0b2344;
    padding: 14px 16px;
    border-radius: 11px;
    box-shadow: 0 12px 35px rgba(0,0,0,.2);
    animation: pospFloat 4s ease-in-out infinite;
}

.posp-floating-card > span {
    font-size: 25px;
}

.posp-floating-card strong,
.posp-floating-card small {
    display: block;
}

.posp-floating-card strong {
    font-size: 12px;
}

.posp-floating-card small {
    color: #75849b;
    font-size: 10px;
    margin-top: 5px;
}

.posp-card-top {
    top: 45px;
    right: -5px;
}

.posp-card-bottom {
    bottom: 45px;
    left: -5px;
    animation-delay: 1.5s;
}

.posp-coming-footer {
    max-width: 1080px;
    margin: 35px auto 0;
    padding: 20px;
    border-top: 1px solid rgba(255,255,255,.15);
    display: flex;
    justify-content: space-between;
    gap: 15px;
    color: #d5e2f4;
    font-size: 11px;
}

.posp-coming-footer span:first-child {
    color: #ffc64b;
    font-weight: 800;
    letter-spacing: 1px;
}

@keyframes pospFloat {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-12px); }
}

@keyframes pospPulse {
    0%, 100% { transform: scale(1); opacity: .55; }
    50% { transform: scale(1.06); opacity: 1; }
}

/* Mobile */

@media (max-width: 768px) {
    .posp-coming-page {
        padding-top: 42px;
    }

    .posp-coming-container {
        grid-template-columns: 1fr;
        gap: 15px;
        min-height: auto;
    }

    .posp-coming-content h1 {
        font-size: 42px;
        letter-spacing: -1.5px;
    }

    .posp-coming-description {
        font-size: 14px;
    }

    .posp-coming-visual {
        min-height: 340px;
        margin-top: 5px;
    }

    .ring-one {
        width: 235px;
        height: 235px;
    }

    .ring-two {
        width: 290px;
        height: 290px;
    }

    .posp-visual-center {
        width: 185px;
        height: 185px;
    }

    .posp-card-top {
        right: 0;
        top: 15px;
    }

    .posp-card-bottom {
        left: 0;
        bottom: 15px;
    }

    .posp-coming-footer {
        margin-top: 20px;
        flex-direction: column;
        padding: 18px 20px;
    }
}

@media (max-width: 420px) {
    .posp-coming-content h1 {
        font-size: 36px;
    }

    .posp-coming-trust {
        gap: 10px;
    }

    .posp-floating-card {
        padding: 11px;
    }
}