/* =========================================================
   XFSPL INSURANCE PAGE
   Premium Navy + Gold Financial Design
   ========================================================= */

.insurance-page {
    background: #ffffff;
    color: #172033;
    font-family: "Inter", sans-serif;
}

    .insurance-page .container {
        width: 92%;
        max-width: 1180px;
        margin: 0 auto;
    }


/* =========================================================
   HERO
   ========================================================= */

.ins-hero {
    position: relative;
    overflow: hidden;
    min-height: 650px;
    display: flex;
    align-items: center;
    background: linear-gradient( 90deg, rgba(5,22,42,.99) 0%, rgba(6,25,47,.96) 52%, rgba(6,25,47,.88) 100% ), url("/images/insurance-bg.jpg") center/cover no-repeat;
}

.ins-hero-grid {
    display: grid;
    grid-template-columns: 1.05fr .95fr;
    gap: 65px;
    align-items: center;
}

.ins-hero-content {
    padding: 80px 0;
}

.ins-eyebrow,
.ins-section-label {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: #d4a72c;
    font-size: 12px;
    font-weight: 800;
    letter-spacing: 1.6px;
}

.ins-hero h1 {
    margin: 22px 0;
    color: #ffffff;
    font-family: "Manrope", sans-serif;
    font-size: clamp(43px, 5vw, 65px);
    line-height: 1.08;
    font-weight: 800;
}

    .ins-hero h1 span {
        display: block;
        color: #d4a72c;
    }

.ins-hero p {
    max-width: 620px;
    color: #d5dfe9;
    font-size: 17px;
    line-height: 1.8;
}

.ins-hero-buttons {
    display: flex;
    flex-wrap: wrap;
    gap: 13px;
    margin-top: 32px;
}

.ins-btn {
    min-height: 51px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    padding: 0 24px;
    border-radius: 4px;
    text-decoration: none;
    font-size: 14px;
    font-weight: 700;
    transition: all .25s ease;
}

.ins-btn-gold {
    background: #d4a72c;
    color: #06172c;
}

    .ins-btn-gold:hover {
        background: #ffffff;
        color: #06172c;
        transform: translateY(-2px);
    }

.ins-btn-outline {
    border: 1px solid rgba(255,255,255,.45);
    color: #ffffff;
}

    .ins-btn-outline:hover {
        background: #ffffff;
        color: #0b1f3a;
    }

.ins-hero-trust {
    display: flex;
    flex-wrap: wrap;
    gap: 20px;
    margin-top: 30px;
}

    .ins-hero-trust span {
        display: flex;
        align-items: center;
        gap: 7px;
        color: #c4cfda;
        font-size: 12px;
    }

    .ins-hero-trust i {
        color: #d4a72c;
    }


/* =========================================================
   PROTECTION VISUAL
   ========================================================= */

.ins-protection-card {
    padding: 30px;
    background: rgba(255,255,255,.97);
    border-radius: 10px;
    box-shadow: 0 30px 80px rgba(0,0,0,.25);
}

.ins-card-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-bottom: 20px;
    border-bottom: 1px solid #e6ebf0;
}

    .ins-card-top small {
        display: block;
        margin-bottom: 5px;
        color: #7b8694;
        font-size: 11px;
    }

    .ins-card-top strong {
        color: #0b1f3a;
        font-family: "Manrope", sans-serif;
        font-size: 19px;
    }

.ins-card-icon {
    width: 45px;
    height: 45px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #eaf2fc;
    color: #1557b0;
    border-radius: 7px;
    font-size: 20px;
}

.ins-shield-area {
    position: relative;
    height: 245px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.ins-shield-circle {
    position: relative;
    z-index: 3;
    width: 105px;
    height: 105px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #0b1f3a;
    color: #d4a72c;
    border-radius: 50%;
    font-size: 42px;
    box-shadow: 0 15px 35px rgba(11,31,58,.18);
}

.ins-ring {
    position: absolute;
    border: 1px solid #d4a72c;
    border-radius: 50%;
    opacity: .35;
}

.ring-one {
    width: 170px;
    height: 170px;
}

.ring-two {
    width: 225px;
    height: 225px;
}

.ins-protection-points {
    display: grid;
    grid-template-columns: repeat(3,1fr);
    gap: 10px;
    padding-top: 20px;
    border-top: 1px solid #e6ebf0;
}

    .ins-protection-points div {
        text-align: center;
    }

    .ins-protection-points i {
        display: block;
        margin-bottom: 8px;
        color: #1557b0;
        font-size: 19px;
    }

    .ins-protection-points span {
        color: #596575;
        font-size: 11px;
    }


/* =========================================================
   COMMON SECTION
   ========================================================= */

.ins-section {
    padding: 90px 0;
}

.ins-light {
    background: #f7f9fc;
}

.ins-section-heading {
    max-width: 720px;
    margin: 0 auto 48px;
    text-align: center;
}

    .ins-section-heading h2,
    .ins-content h2,
    .ins-detail-content h2 {
        margin: 13px 0 17px;
        color: #0b1f3a;
        font-family: "Manrope", sans-serif;
        font-size: clamp(32px,4vw,45px);
        line-height: 1.15;
        font-weight: 800;
    }

    .ins-section-heading p,
    .ins-content p,
    .ins-detail-content p {
        color: #657181;
        font-size: 15px;
        line-height: 1.8;
    }


/* =========================================================
   WHY INSURANCE
   ========================================================= */

.ins-two-column {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 70px;
    align-items: center;
}

.ins-highlight {
    display: flex;
    gap: 16px;
    margin-top: 28px;
    padding: 22px;
    background: #f7f9fc;
    border-left: 4px solid #d4a72c;
}

.ins-highlight-icon {
    width: 48px;
    height: 48px;
    flex: 0 0 48px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #0b1f3a;
    color: #d4a72c;
    border-radius: 50%;
}

.ins-highlight h4 {
    margin: 2px 0 5px;
    color: #0b1f3a;
    font-family: "Manrope", sans-serif;
}

.ins-highlight p {
    margin: 0;
    font-size: 13px;
}

.ins-protection-list {
    display: flex;
    flex-direction: column;
    gap: 13px;
}

.ins-list-item {
    display: flex;
    align-items: center;
    gap: 17px;
    padding: 20px;
    background: #ffffff;
    border: 1px solid #e1e7ef;
}

.ins-list-icon {
    width: 50px;
    height: 50px;
    flex: 0 0 50px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #eaf2fc;
    color: #1557b0;
    border-radius: 7px;
}

.ins-list-item h3 {
    margin: 0 0 5px;
    color: #0b1f3a;
    font-family: "Manrope", sans-serif;
    font-size: 17px;
}

.ins-list-item p {
    margin: 0;
    color: #657181;
    font-size: 12px;
    line-height: 1.6;
}


/* =========================================================
   HOW INSURANCE WORKS
   ========================================================= */

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

.ins-flow-card {
    position: relative;
    padding: 30px 25px;
    background: #ffffff;
    border: 1px solid #e1e7ef;
}

.ins-flow-number {
    position: absolute;
    top: 17px;
    right: 18px;
    color: #e6ebf2;
    font-size: 28px;
    font-weight: 800;
}

.ins-flow-icon {
    width: 53px;
    height: 53px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
    background: #eaf2fc;
    color: #1557b0;
    border-radius: 7px;
    font-size: 20px;
}

.ins-flow-card h3 {
    margin: 0 0 10px;
    color: #0b1f3a;
    font-family: "Manrope", sans-serif;
    font-size: 19px;
}

.ins-flow-card p {
    margin: 0;
    color: #657181;
    font-size: 13px;
    line-height: 1.7;
}


/* =========================================================
   TYPES
   ========================================================= */

.ins-type-grid {
    display: grid;
    grid-template-columns: repeat(3,1fr);
    gap: 20px;
}

.ins-type-card {
    padding: 30px;
    background: #ffffff;
    border: 1px solid #e1e7ef;
    transition: all .25s ease;
}

    .ins-type-card:hover {
        transform: translateY(-5px);
        border-color: #d4a72c;
        box-shadow: 0 15px 35px rgba(11,31,58,.08);
    }

.ins-type-icon {
    width: 53px;
    height: 53px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
    background: #0b1f3a;
    color: #d4a72c;
    border-radius: 7px;
    font-size: 21px;
}

.ins-type-card h3 {
    margin: 0 0 10px;
    color: #0b1f3a;
    font-family: "Manrope", sans-serif;
    font-size: 20px;
}

.ins-type-card p {
    margin: 0 0 18px;
    color: #657181;
    font-size: 13px;
    line-height: 1.75;
}

.ins-type-card a {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    color: #1557b0;
    font-size: 12px;
    font-weight: 800;
    text-decoration: none;
}

    .ins-type-card a:hover {
        color: #d4a72c;
    }


/* =========================================================
   DETAIL SECTIONS
   ========================================================= */

.ins-detail-section {
    padding: 90px 0;
    background: #ffffff;
}

.ins-detail-grid {
    display: grid;
    grid-template-columns: .9fr 1.1fr;
    gap: 75px;
    align-items: center;
}

.ins-detail-visual {
    min-height: 380px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    padding: 45px;
    background: #0b1f3a;
    border-radius: 8px;
    text-align: center;
}

.ins-detail-icon {
    width: 80px;
    height: 80px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 25px;
    background: rgba(212,167,44,.13);
    color: #d4a72c;
    border: 1px solid rgba(212,167,44,.4);
    border-radius: 50%;
    font-size: 31px;
}

.ins-detail-visual > span {
    color: #d4a72c;
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 1.5px;
}

.ins-detail-visual h3 {
    margin: 10px 0;
    color: #ffffff;
    font-family: "Manrope", sans-serif;
    font-size: 31px;
}

.ins-detail-line {
    width: 45px;
    height: 2px;
    margin: 8px 0 18px;
    background: #d4a72c;
}

.ins-detail-visual p {
    max-width: 400px;
    margin: 0;
    color: #c8d3df;
    font-size: 14px;
    line-height: 1.8;
}

.ins-check-list {
    display: flex;
    flex-direction: column;
    gap: 13px;
    margin-top: 25px;
}

    .ins-check-list div {
        display: flex;
        align-items: flex-start;
        gap: 12px;
        color: #657181;
        font-size: 14px;
    }

    .ins-check-list i {
        margin-top: 3px;
        color: #d4a72c;
    }


/* =========================================================
   MINI INSURANCE
   ========================================================= */

.ins-mini-section {
    padding: 80px 0;
    background: #f7f9fc;
}

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

.ins-mini-card {
    padding: 28px 23px;
    background: #ffffff;
    border: 1px solid #e1e7ef;
}

.ins-mini-icon {
    width: 50px;
    height: 50px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 18px;
    background: #eaf2fc;
    color: #1557b0;
    border-radius: 7px;
}

.ins-mini-card h3 {
    margin: 0 0 9px;
    color: #0b1f3a;
    font-family: "Manrope", sans-serif;
    font-size: 18px;
}

.ins-mini-card p {
    margin: 0;
    color: #657181;
    font-size: 13px;
    line-height: 1.7;
}


/* =========================================================
   PROTECTION VS INVESTMENT
   ========================================================= */

.ins-protection-invest-grid {
    max-width: 900px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 25px;
    margin: auto;
}

.ins-purpose-card {
    padding: 35px;
    background: #ffffff;
    border: 1px solid #e1e7ef;
}

.ins-purpose-icon {
    width: 57px;
    height: 57px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
    background: #0b1f3a;
    color: #d4a72c;
    border-radius: 7px;
}

.ins-purpose-card h3 {
    margin: 0 0 10px;
    color: #0b1f3a;
    font-family: "Manrope", sans-serif;
    font-size: 23px;
}

.ins-purpose-card p {
    color: #657181;
    font-size: 13px;
    line-height: 1.7;
}

.ins-purpose-card ul {
    display: flex;
    flex-direction: column;
    gap: 9px;
    margin: 20px 0 0;
    padding: 0;
    list-style: none;
}

.ins-purpose-card li {
    color: #536071;
    font-size: 13px;
}

    .ins-purpose-card li::before {
        content: "✓";
        margin-right: 9px;
        color: #d4a72c;
        font-weight: 800;
    }


/* =========================================================
   WHO NEEDS
   ========================================================= */

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

.ins-person-card {
    padding: 30px 25px;
    background: #ffffff;
    border: 1px solid #e1e7ef;
    text-align: center;
}

    .ins-person-card > i {
        width: 57px;
        height: 57px;
        display: flex;
        align-items: center;
        justify-content: center;
        margin: 0 auto 18px;
        background: #eaf2fc;
        color: #1557b0;
        border-radius: 50%;
        font-size: 21px;
    }

    .ins-person-card h3 {
        margin: 0 0 9px;
        color: #0b1f3a;
        font-family: "Manrope", sans-serif;
        font-size: 18px;
    }

    .ins-person-card p {
        margin: 0;
        color: #657181;
        font-size: 13px;
        line-height: 1.7;
    }


/* =========================================================
   CHOICE
   ========================================================= */

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

.ins-choice-card {
    padding: 30px 25px;
    background: #ffffff;
    border: 1px solid #e1e7ef;
}

    .ins-choice-card > span {
        color: #d4a72c;
        font-size: 12px;
        font-weight: 800;
    }

    .ins-choice-card > i {
        display: block;
        margin: 20px 0;
        color: #1557b0;
        font-size: 25px;
    }

    .ins-choice-card h3 {
        margin: 0 0 10px;
        color: #0b1f3a;
        font-family: "Manrope", sans-serif;
        font-size: 18px;
    }

    .ins-choice-card p {
        margin: 0;
        color: #657181;
        font-size: 13px;
        line-height: 1.7;
    }


/* =========================================================
   XFSPL APPROACH
   ========================================================= */

.ins-approach-section {
    padding: 90px 0;
    background: #06172c;
}

.ins-approach-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

    .ins-approach-grid h2 {
        max-width: 600px;
        margin: 15px 0;
        color: #ffffff;
        font-family: "Manrope", sans-serif;
        font-size: 43px;
        line-height: 1.18;
    }

    .ins-approach-grid p {
        max-width: 600px;
        color: #c8d3df;
        font-size: 15px;
        line-height: 1.8;
    }

.ins-approach-points {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 15px;
}

    .ins-approach-points div {
        min-height: 85px;
        display: flex;
        align-items: center;
        gap: 13px;
        padding: 20px;
        background: rgba(255,255,255,.06);
        border: 1px solid rgba(255,255,255,.12);
    }

    .ins-approach-points i {
        color: #d4a72c;
        font-size: 20px;
    }

    .ins-approach-points span {
        color: #ffffff;
        font-size: 13px;
        font-weight: 700;
    }


/* =========================================================
   CTA
   ========================================================= */

.ins-cta {
    padding: 75px 0;
    background: #ffffff;
}

.ins-cta-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 40px;
    padding: 55px 60px;
    background: #0b1f3a;
}

    .ins-cta-inner h2 {
        margin: 13px 0;
        color: #ffffff;
        font-family: "Manrope", sans-serif;
        font-size: 40px;
    }

    .ins-cta-inner p {
        max-width: 650px;
        margin: 0;
        color: #c8d3df;
        font-size: 14px;
        line-height: 1.8;
    }


/* =========================================================
   DISCLOSURE
   ========================================================= */

.ins-disclosure {
    padding: 20px 0 70px;
    background: #ffffff;
}

.ins-disclosure-box {
    display: flex;
    gap: 18px;
    padding: 25px;
    background: #fff9e8;
    border: 1px solid #ead99f;
}

.ins-disclosure-icon {
    width: 44px;
    height: 44px;
    flex: 0 0 44px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: #d4a72c;
    color: #06172c;
    border-radius: 50%;
}

.ins-disclosure-box h3 {
    margin: 0 0 8px;
    color: #0b1f3a;
    font-family: "Manrope", sans-serif;
    font-size: 18px;
}

.ins-disclosure-box p {
    margin: 0 0 7px;
    color: #657181;
    font-size: 12px;
    line-height: 1.7;
}

    .ins-disclosure-box p:last-child {
        margin-bottom: 0;
    }


/* =========================================================
   TABLET
   ========================================================= */

@media (max-width: 991px) {

    .ins-hero-grid,
    .ins-two-column,
    .ins-detail-grid,
    .ins-approach-grid {
        grid-template-columns: 1fr;
        gap: 45px;
    }

    .ins-flow-grid,
    .ins-advantage-grid,
    .ins-people-grid,
    .ins-choice-grid,
    .ins-mini-grid {
        grid-template-columns: repeat(2,1fr);
    }

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

    .ins-hero {
        padding-bottom: 60px;
    }

    .ins-hero-content {
        padding-bottom: 10px;
    }

    .ins-protection-card {
        max-width: 700px;
    }

    .ins-approach-grid h2 {
        font-size: 36px;
    }
}


/* =========================================================
   MOBILE
   ========================================================= */

@media (max-width: 767px) {

    .insurance-page .container {
        width: 91%;
    }

    .ins-hero {
        min-height: auto;
    }

    .ins-hero-content {
        padding: 65px 0 15px;
    }

    .ins-hero h1 {
        font-size: 39px;
    }

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

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

    .ins-btn {
        width: 100%;
    }

    .ins-hero-trust {
        flex-direction: column;
        gap: 10px;
    }

    .ins-protection-card {
        padding: 22px;
        margin-bottom: 30px;
    }

    .ins-protection-points {
        grid-template-columns: 1fr;
        gap: 15px;
    }

    .ins-section,
    .ins-detail-section,
    .ins-approach-section {
        padding: 65px 0;
    }

    .ins-section-heading {
        margin-bottom: 35px;
    }

        .ins-section-heading h2,
        .ins-content h2,
        .ins-detail-content h2 {
            font-size: 31px;
        }

    .ins-flow-grid,
    .ins-type-grid,
    .ins-people-grid,
    .ins-choice-grid,
    .ins-mini-grid,
    .ins-protection-invest-grid {
        grid-template-columns: 1fr;
    }

    .ins-detail-visual {
        min-height: 320px;
        padding: 35px 22px;
    }

    .reverse-mobile {
        display: flex;
        flex-direction: column;
    }

    .ins-approach-grid h2 {
        font-size: 32px;
    }

    .ins-approach-points {
        grid-template-columns: 1fr;
    }

    .ins-cta {
        padding: 60px 0;
    }

    .ins-cta-inner {
        flex-direction: column;
        align-items: flex-start;
        padding: 38px 25px;
    }

        .ins-cta-inner h2 {
            font-size: 32px;
        }

        .ins-cta-inner .ins-btn {
            width: 100%;
        }

    .ins-disclosure-box {
        flex-direction: column;
    }
}


/* =========================================================
   SMALL MOBILE
   ========================================================= */

@media (max-width: 480px) {

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

    .ins-goal-card {
        min-height: 100px;
    }

    .ins-highlight {
        flex-direction: column;
    }
}