/* ============================================================
   INSURANCE CSS — PREMIUM REDESIGN v6
   Theme: Matches Premium Doggies brand identity
   Colors: #223a66 (navy) · #e12454 (crimson) · white/light grays
   Fonts: Exo (headings) · Roboto (body) — already loaded globally
   ============================================================ */

/* ============================================================
   CSS CUSTOM PROPERTIES — BRAND SYSTEM
   ============================================================ */
:root {
    /* Brand Colors */
    --brand-navy: #223a66;
    --brand-navy-dark: #152440;
    --brand-red: #e12454;
    --brand-red-dark: #c1123f;
    --brand-red-light: rgba(225, 36, 84, 0.08);

    /* Gradients */
    --grad-navy: linear-gradient(135deg, #223a66 0%, #152440 100%);
    --grad-red: linear-gradient(135deg, #e12454 0%, #ff5e62 100%);
    --grad-hero: linear-gradient(135deg, #223a66 0%, #2e4e88 50%, #1a3056 100%);
    --grad-mixed: linear-gradient(135deg, #223a66 0%, #e12454 100%);

    /* Backgrounds */
    --bg-white: #ffffff;
    --bg-light: #f4f9fc;
    --bg-lighter: #f8fbff;
    --bg-navy-tint: #eef3ff;

    /* Glass Overlay */
    --glass-white: rgba(255, 255, 255, 0.92);
    --glass-light: rgba(255, 255, 255, 0.70);
    --glass-navy: rgba(34, 58, 102, 0.06);
    --glass-border: rgba(34, 58, 102, 0.10);

    /* Text */
    --text-dark: #1a1a2e;
    --text-navy: #223a66;
    --text-body: #4a5568;
    --text-muted: #8492a6;

    /* Shadows */
    --shadow-sm: 0 4px 16px rgba(34, 58, 102, 0.08);
    --shadow-md: 0 10px 35px rgba(34, 58, 102, 0.12);
    --shadow-lg: 0 20px 55px rgba(34, 58, 102, 0.15);
    --shadow-red: 0 8px 25px rgba(225, 36, 84, 0.25);
    --shadow-navy: 0 8px 25px rgba(34, 58, 102, 0.30);

    /* Radii */
    --r-sm: 8px;
    --r-md: 16px;
    --r-lg: 24px;
    --r-xl: 36px;
    --r-pill: 50px;

    /* Transitions */
    --t-fast: 0.2s cubic-bezier(0.4, 0, 0.2, 1);
    --t-smooth: 0.38s cubic-bezier(0.25, 0.46, 0.45, 0.94);

    /* Success/Danger */
    --clr-success: #10b981;
    --clr-danger: #ef4444;
    --clr-gold: #f59e0b;
}

/* Theme variants for pet types — accent only */
body.theme-dog {
    --theme-accent: #e12454;
    --theme-grad: var(--grad-red);
}

body.theme-cat {
    --theme-accent: #8e24aa;
    --theme-grad: linear-gradient(135deg, #8e24aa 0%, #6a1b9a 100%);
}

body.theme-bird {
    --theme-accent: #0288d1;
    --theme-grad: linear-gradient(135deg, #0288d1 0%, #0277bd 100%);
}

body.theme-small-pet {
    --theme-accent: #2e7d32;
    --theme-grad: linear-gradient(135deg, #43a047 0%, #2e7d32 100%);
}

/* ============================================================
   GLOBAL PAGE RESET
   ============================================================ */
body,
html {
    background-color: var(--bg-white) !important;
}

/* All insurance sections inherit white/light bg */
.hero-insurance-v3,
.why-us-v2,
.plans-section,
.transparency-section,
.how-it-works-section,
.compare-matrix-section,
.social-proof-section,
.faq-section {
    background-color: var(--bg-white) !important;
    position: relative;
    width: 100%;
    clear: both;
    overflow: hidden;
}

/* ============================================================
   SECTION 1: HERO — NAVY GRADIENT WITH DIAGONAL SPLIT
   ============================================================ */
.hero-insurance-v3 {
    padding: 0;
    background: transparent !important;
    min-height: 88vh;
    display: flex;
    align-items: stretch;
}

/* Replace the wavy SVG section — still used but we add our own styling */
.wavy-background-half {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    z-index: 1;
    pointer-events: none;
}

.wavy-background-half svg {
    width: 100%;
    height: 100%;
}

/* Full-bleed navy hero wrapper */
.hero-insurance-v3::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: var(--grad-hero);
    z-index: 0;
}

/* Diagonal white cutout at bottom */
.hero-insurance-v3::after {
    content: '';
    position: absolute;
    bottom: -2px;
    left: 0;
    right: 0;
    height: 120px;
    background: var(--bg-white);
    clip-path: polygon(0 60%, 100% 0, 100% 100%, 0 100%);
    z-index: 5;
}

/* Decorative dot pattern */
.hero-insurance-v3 .container::before {
    content: '';
    position: absolute;
    top: 0;
    right: -60px;
    width: 500px;
    height: 500px;
    background-image: radial-gradient(circle, rgba(255, 255, 255, 0.06) 1px, transparent 1px);
    background-size: 28px 28px;
    pointer-events: none;
    z-index: 2;
}

.hero-content-v3 {
    position: relative;
    z-index: 10;
    padding: 130px 0 180px;
}

/* Hero text */
.hero-text-side h1 {
    font-family: 'Exo', sans-serif !important;
    font-size: 3.2rem;
    font-weight: 900;
    color: #ffffff !important;
    line-height: 1.15;
    letter-spacing: -0.5px;
    text-shadow: 0 4px 20px rgba(0, 0, 0, 0.20);
}

.hero-text-side h1 span {
    color: #ff7eb3 !important;
}

.hero-text-side p {
    font-size: 1.05rem;
    color: rgba(255, 255, 255, 0.85) !important;
    line-height: 1.8;
    font-weight: 400;
}

/* Hero collage — premium circular frames on navy */
.collage-wrapper {
    position: relative;
    width: 100%;
    max-width: 520px;
    height: 470px;
    margin: 0 auto;
}

.collage-item {
    position: absolute;
    border-radius: 50%;
    overflow: hidden;
    border: 5px solid rgba(255, 255, 255, 0.90);
    box-shadow:
        0 0 0 4px rgba(225, 36, 84, 0.30),
        0 20px 50px rgba(0, 0, 0, 0.30);
    transition: transform var(--t-smooth), box-shadow var(--t-smooth);
    background: #fff;
}

.collage-item:hover {
    transform: scale(1.07) rotate(-2deg);
    box-shadow:
        0 0 0 6px rgba(225, 36, 84, 0.50),
        0 28px 60px rgba(0, 0, 0, 0.35);
}

.collage-item img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.img-main {
    width: 285px;
    height: 285px;
    top: 65px;
    left: 8%;
    z-index: 4;
}

.img-small-1 {
    width: 160px;
    height: 160px;
    top: 0;
    right: 5%;
    z-index: 3;
}

.img-small-2 {
    width: 190px;
    height: 190px;
    bottom: 0;
    right: 8%;
    z-index: 5;
}

.img-tiny {
    width: 112px;
    height: 112px;
    bottom: 82px;
    left: -4%;
    z-index: 2;
}

/* WhatsApp button */
.btn-whatsapp-hero {
    background: linear-gradient(135deg, #25D366, #128C7E) !important;
    color: #fff !important;
    border: none !important;
    padding: 18px 44px !important;
    border-radius: var(--r-pill) !important;
    font-size: 1rem !important;
    font-weight: 700 !important;
    display: inline-flex !important;
    align-items: center !important;
    gap: 12px;
    box-shadow: 0 10px 30px rgba(37, 211, 102, 0.30) !important;
    transition: all var(--t-smooth) !important;
    text-decoration: none !important;
    letter-spacing: 0.5px;
    position: relative;
    overflow: hidden;
}

.btn-whatsapp-hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.25), transparent);
    transition: left 0.6s ease;
}

.btn-whatsapp-hero:hover::before {
    left: 100%;
}

.btn-whatsapp-hero:hover {
    transform: translateY(-4px) !important;
    box-shadow: 0 18px 40px rgba(37, 211, 102, 0.45) !important;
}

/* ============================================================
   SECTION 2: WHY US — LIGHT CARDS ON SOFT BACKGROUND
   ============================================================ */
.why-us-v2 {
    padding: 100px 0 90px;
    background: var(--bg-lighter) !important;
    position: relative;
}

/* Subtle top border accent */
.why-us-v2::before {
    content: '';
    position: absolute;
    top: 0;
    left: 50%;
    transform: translateX(-50%);
    width: 80px;
    height: 4px;
    background: var(--grad-red);
    border-radius: 0 0 4px 4px;
}

.why-us-heading {
    font-family: 'Exo', sans-serif !important;
    font-size: 3rem;
    font-weight: 900;
    color: var(--brand-navy) !important;
    text-align: center;
    margin-bottom: 65px;
    position: relative;
    z-index: 10;
}

.why-us-heading::after {
    content: '';
    display: block;
    width: 60px;
    height: 4px;
    background: var(--brand-red);
    border-radius: 2px;
    margin: 14px auto 0;
}

.why-us-grid {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 28px;
    position: relative;
    z-index: 10;
}

.why-us-item {
    flex: 0 1 calc(33.33% - 28px);
    min-width: 260px;
    text-align: center;
    background: var(--bg-white);
    border: 1px solid rgba(34, 58, 102, 0.08);
    border-radius: var(--r-lg);
    padding: 45px 30px;
    box-shadow: var(--shadow-sm);
    transition: all var(--t-smooth);
    position: relative;
    overflow: hidden;
}

/* Accent bar at top */
.why-us-item::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--brand-red);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform var(--t-smooth);
}

.why-us-item:hover::before {
    transform: scaleX(1);
}

.why-us-item:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(225, 36, 84, 0.15);
}

.why-us-icon {
    font-size: 3rem;
    color: var(--brand-navy);
    margin-bottom: 20px;
    display: block;
    transition: all var(--t-smooth);
}

.why-us-item:hover .why-us-icon {
    color: var(--brand-red);
    transform: scale(1.12) rotate(-5deg);
}

.why-us-item h4 {
    font-family: 'Exo', sans-serif !important;
    font-size: 1.15rem;
    font-weight: 800;
    color: var(--brand-navy) !important;
    margin-bottom: 10px;
}

.why-us-item p {
    font-size: 0.9rem;
    color: var(--text-body) !important;
    line-height: 1.7;
    margin-bottom: 0;
}

/* Lottie animations — very subtle */
.pet-lottie-bg-top,
.pet-lottie-bg-bottom {
    position: absolute;
    opacity: 0.05;
    pointer-events: none;
}

.pet-lottie-bg-bottom {
    bottom: -50px;
    width: 600px;
    height: 600px;
    animation: paced-walk-bottom 35s linear infinite;
}

.pet-lottie-bg-top {
    top: -50px;
    width: 550px;
    height: 550px;
    animation: paced-walk-top 30s linear infinite;
}

@keyframes paced-walk-bottom {

    0%,
    100% {
        left: 0%;
        transform: scaleX(1);
    }

    48% {
        left: calc(100% - 600px);
        transform: scaleX(1);
    }

    50% {
        left: calc(100% - 600px);
        transform: scaleX(-1);
    }

    98% {
        left: 0%;
        transform: scaleX(-1);
    }
}

@keyframes paced-walk-top {

    0%,
    100% {
        right: 0%;
        transform: scaleX(-1);
    }

    48% {
        right: calc(100% - 550px);
        transform: scaleX(-1);
    }

    50% {
        right: calc(100% - 550px);
        transform: scaleX(1);
    }

    98% {
        right: 0%;
        transform: scaleX(1);
    }
}

/* Pet-specific lottie overrides */
.theme-bird .pet-lottie-bg-top {
    right: -50px;
    top: auto;
    bottom: -80px;
    opacity: 0.15;
    animation: none !important;
}

.theme-bird .pet-lottie-bg-bottom {
    left: -50px;
    bottom: -80px;
    opacity: 0.15;
    animation: none !important;
    transform: scaleX(-1);
}

.theme-cat .pet-lottie-bg-top {
    display: none;
}

.theme-cat .pet-lottie-bg-bottom {
    left: 50%;
    right: auto;
    bottom: 50px;
    transform: translateX(-50%);
    opacity: 0.08;
    animation: none !important;
    width: 600px;
    height: 600px;
}

.theme-small-pet .pet-lottie-bg-top {
    display: none;
}

.theme-small-pet .pet-lottie-bg-bottom {
    left: 50%;
    right: auto;
    bottom: 50px;
    transform: translateX(-50%);
    opacity: 0.08;
    animation: none !important;
    width: 600px;
    height: 600px;
}

/* ============================================================
   SECTION 2.5: TRUST ACCELERATOR BAR
   ============================================================ */
.trust-accelerator-v4 {
    background: var(--grad-navy) !important;
    padding: 50px 0;
    position: relative;
    z-index: 10;
    overflow: hidden;
}

/* Diagonal stripe accent */
.trust-accelerator-v4::before {
    content: '';
    position: absolute;
    top: 0;
    left: -10%;
    right: -10%;
    bottom: 0;
    background: repeating-linear-gradient(-55deg,
            transparent,
            transparent 40px,
            rgba(255, 255, 255, 0.02) 40px,
            rgba(255, 255, 255, 0.02) 80px);
    pointer-events: none;
}

.trust-accel-grid {
    display: flex;
    justify-content: space-around;
    align-items: center;
    gap: 20px;
    position: relative;
    z-index: 1;
}

.trust-accel-item {
    flex: 1;
    display: flex;
    align-items: center;
    gap: 20px;
    padding: 20px 25px;
    border-radius: var(--r-md);
    transition: background var(--t-fast);
}

.trust-accel-item:hover {
    background: rgba(255, 255, 255, 0.06);
}

.trust-accel-icon {
    font-size: 2.6rem;
    color: #ff7eb3;
    flex-shrink: 0;
    transition: transform var(--t-fast);
}

.trust-accel-item:hover .trust-accel-icon {
    transform: scale(1.12);
}

.trust-accel-text h4 {
    font-family: 'Exo', sans-serif !important;
    font-size: 1.05rem;
    font-weight: 800;
    color: #ffffff !important;
    margin-bottom: 4px;
}

.trust-accel-text p {
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.75) !important;
    margin-bottom: 0;
    font-weight: 400;
}

/* ============================================================
   SECTION 3: PLANS — PREMIUM CARD GRID
   ============================================================ */
.plans-section {
    padding: 110px 0;
    background: var(--bg-white) !important;
    position: relative;
}

/* Soft background blob */
.plans-section::before {
    content: '';
    position: absolute;
    top: -100px;
    right: -150px;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(34, 58, 102, 0.04) 0%, transparent 70%);
    pointer-events: none;
    z-index: 0;
}

.section-title-premium {
    font-family: 'Exo', sans-serif !important;
    font-size: 3rem;
    font-weight: 900;
    color: var(--brand-navy) !important;
    text-align: center;
    margin-bottom: 55px;
    position: relative;
    z-index: 1;
}

.section-title-premium::after {
    content: '';
    display: block;
    width: 70px;
    height: 4px;
    background: var(--brand-red);
    border-radius: 2px;
    margin: 16px auto 0;
}

/* Pet tabs */
.pet-tabs-wrapper {
    display: flex;
    justify-content: center;
    gap: 12px;
    margin-bottom: 60px;
    flex-wrap: wrap;
    position: relative;
    z-index: 5;
}

.pet-tab-btn {
    background: var(--bg-white);
    border: 2px solid rgba(34, 58, 102, 0.15);
    padding: 13px 30px;
    border-radius: var(--r-pill);
    font-size: 0.875rem;
    font-weight: 800;
    font-family: 'Exo', sans-serif !important;
    color: var(--brand-navy) !important;
    cursor: pointer;
    transition: all var(--t-smooth);
    display: flex;
    align-items: center;
    gap: 9px;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    box-shadow: var(--shadow-sm);
}

.pet-tab-btn:hover,
.pet-tab-btn.active {
    background: var(--brand-navy) !important;
    color: #fff !important;
    border-color: var(--brand-navy) !important;
    box-shadow: var(--shadow-navy) !important;
    transform: translateY(-3px);
}

.pet-tab-btn i {
    font-size: 1.25rem;
    color: var(--brand-red);
    transition: all var(--t-fast);
}

.pet-tab-btn:hover i,
.pet-tab-btn.active i {
    color: #fff !important;
    transform: scale(1.15);
}

/* Tab animation */
.tab-pane {
    display: none;
    animation: fadeInTab 0.45s ease forwards;
}

.tab-pane.active {
    display: block !important;
}

@keyframes fadeInTab {
    from {
        opacity: 0;
        transform: translateY(18px);
    }

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

/* Plans grid */
.plans-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 10px 0 50px;
    position: relative;
    z-index: 1;
}

/* Plan cards */
.plan-card-v3,
.pricing-card-v3 {
    background: var(--bg-white) !important;
    border: 1px solid rgba(34, 58, 102, 0.10);
    border-radius: var(--r-lg);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    transition: all var(--t-smooth);
    display: flex;
    flex-direction: column;
    padding: 0 0 36px;
    position: relative;
    text-align: center;
    height: 100%;
}

.plan-card-v3:hover,
.pricing-card-v3:hover {
    transform: translateY(-12px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(225, 36, 84, 0.20);
}

/* Card header band — navy gradient */
.plan-card-v3 h3,
.pricing-card-v3 h3 {
    font-family: 'Exo', sans-serif !important;
    font-size: 1.25rem;
    font-weight: 800;
    color: #fff !important;
    margin: 0;
    padding: 32px 24px 26px;
    background: var(--grad-navy);
    line-height: 1.3;
    position: relative;
    overflow: hidden;
}

.plan-card-v3 h3::after,
.pricing-card-v3 h3::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--brand-red);
}

/* Middle card — "Most Popular" highlight */
.plan-card-v3:nth-child(2),
.pricing-card-v3:nth-child(2) {
    border: 2px solid var(--brand-red);
    box-shadow: var(--shadow-red), var(--shadow-md);
}

/* "Most Popular" badge */
.plan-card-v3:nth-child(2)::before,
.pricing-card-v3:nth-child(2)::before {
    content: '★ MOST POPULAR';
    position: absolute;
    top: -1px;
    right: 20px;
    background: var(--grad-red);
    color: #fff;
    font-size: 0.65rem;
    font-weight: 900;
    font-family: 'Exo', sans-serif;
    letter-spacing: 2px;
    padding: 5px 14px;
    border-radius: 0 0 8px 8px;
    z-index: 30;
    box-shadow: var(--shadow-red);
}

/* Middle card header — red gradient */
.plan-card-v3:nth-child(2) h3,
.pricing-card-v3:nth-child(2) h3 {
    background: var(--grad-red);
}

.plan-card-v3:nth-child(2) h3::after,
.pricing-card-v3:nth-child(2) h3::after {
    background: var(--brand-navy);
}

/* Price display */
.plan-price {
    font-family: 'Exo', sans-serif !important;
    font-size: 3rem;
    font-weight: 900;
    color: var(--brand-navy) !important;
    padding: 22px 0 6px;
    line-height: 1;
}

.plan-price span {
    font-size: 1rem;
    font-weight: 500;
    color: var(--text-muted) !important;
}

.price-v3 {
    display: flex;
    justify-content: center;
    align-items: flex-start;
    line-height: 1;
    padding: 22px 0 6px;
    font-family: 'Exo', sans-serif !important;
    font-weight: 900;
    color: #ffffff !important;
}

.price-v3 .currency {
    font-size: 1.3rem;
    margin-top: 8px;
    margin-right: 2px;
    opacity: 0.7;
}

.price-v3 .amount {
    font-size: 2.8rem;
}

/* Feature list */
.plan-feature-list,
.feature-list-v3 {
    list-style: none;
    padding: 10px 24px !important;
    margin: 10px 0 22px 0 !important;
    text-align: left;
    flex: 1;
}

.plan-feature-item,
.feature-list-v3 li {
    padding: 13px 0;
    font-size: 0.9rem;
    color: var(--text-body) !important;
    font-weight: 500;
    border-bottom: 1px solid rgba(34, 58, 102, 0.06);
    display: flex;
    align-items: center;
    gap: 12px;
    transition: color var(--t-fast);
}

.plan-feature-item:last-child,
.feature-list-v3 li:last-child {
    border-bottom: none;
}

.plan-feature-item:hover,
.feature-list-v3 li:hover {
    color: var(--brand-navy) !important;
}

.plan-feature-item i,
.feature-list-v3 li i {
    color: var(--brand-red);
    font-size: 1.05rem;
    flex-shrink: 0;
}

.feature-list-v3 li::before {
    content: '✓';
    color: var(--clr-success);
    font-weight: 900;
    font-size: 1rem;
    flex-shrink: 0;
}

/* CTA Button */
.btn-plan-select,
.btn-plan-select-v3 {
    display: inline-block;
    padding: 14px 38px;
    border-radius: var(--r-pill);
    color: #fff !important;
    font-weight: 700;
    font-family: 'Exo', sans-serif !important;
    text-decoration: none !important;
    transition: all var(--t-smooth);
    font-size: 0.85rem;
    letter-spacing: 1px;
    text-transform: uppercase;
    border: none;
    cursor: pointer;
    background: var(--brand-navy);
    box-shadow: var(--shadow-navy);
    align-self: center;
    position: relative;
    overflow: hidden;
}

.btn-plan-select::after,
.btn-plan-select-v3::after {
    content: '';
    position: absolute;
    inset: 0;
    background: var(--grad-red);
    opacity: 0;
    transition: opacity var(--t-fast);
    border-radius: var(--r-pill);
}

.btn-plan-select:hover::after,
.btn-plan-select-v3:hover::after {
    opacity: 1;
}

.btn-plan-select span,
.btn-plan-select i,
.btn-plan-select-v3 span,
.btn-plan-select-v3 i {
    position: relative;
    z-index: 1;
}

.btn-plan-select:hover,
.btn-plan-select-v3:hover {
    transform: translateY(-4px) scale(1.04);
    box-shadow: var(--shadow-red);
    color: #fff !important;
}

/* Tier-colored buttons */
.plan-card-v3.tier-orange .btn-plan-select,
.pricing-card-v3.tier-orange .btn-plan-select-v3 {
    background: linear-gradient(135deg, #10b981, #059669);
    box-shadow: 0 8px 20px rgba(16, 185, 129, 0.25);
}

.plan-card-v3.tier-pink .btn-plan-select,
.pricing-card-v3.tier-pink .btn-plan-select-v3 {
    background: linear-gradient(135deg, #8b5cf6, #6d28d9);
    box-shadow: 0 8px 20px rgba(139, 92, 246, 0.25);
}

.plan-card-v3.tier-blue .btn-plan-select,
.pricing-card-v3.tier-blue .btn-plan-select-v3 {
    background: linear-gradient(135deg, #3b82f6, #1d4ed8);
    box-shadow: 0 8px 20px rgba(59, 130, 246, 0.25);
}

/* "Explore More" link */
.btn-explore-more {
    display: inline-block;
    padding: 14px 38px;
    background: transparent;
    color: var(--brand-navy) !important;
    font-weight: 700;
    font-family: 'Exo', sans-serif !important;
    text-transform: uppercase;
    border-radius: var(--r-pill);
    text-decoration: none !important;
    transition: all var(--t-smooth);
    border: 2px solid var(--brand-navy);
    margin-top: 18px;
    font-size: 0.875rem;
    letter-spacing: 0.5px;
}

.btn-explore-more:hover {
    background: var(--brand-navy);
    color: #fff !important;
    box-shadow: var(--shadow-navy);
    transform: translateY(-3px);
}

/* Pricing card header band */
.pricing-header-v3 {
    padding: 32px 20px 28px;
    margin: 0;
    color: #fff;
    z-index: 2;
    background: var(--grad-navy);
    border-bottom: 3px solid var(--brand-red);
}

/* ============================================================
   SECTION 4: RADICAL TRANSPARENCY
   ============================================================ */
.transparency-section {
    padding: 100px 0;
    background: var(--bg-lighter) !important;
}

.transparency-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--grad-red);
}

.transparency-dashboard {
    display: flex;
    gap: 30px;
    background: var(--bg-white);
    border-radius: var(--r-xl);
    padding: 55px;
    border: 1px solid rgba(34, 58, 102, 0.08);
    box-shadow: var(--shadow-md);
    position: relative;
    overflow: hidden;
}

/* Decorative corner accent */
.transparency-dashboard::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 200px;
    height: 4px;
    background: var(--brand-navy);
    border-radius: 0 0 4px 0;
}

.dashboard-pane {
    flex: 1;
}

.pane-header h3 {
    font-family: 'Exo', sans-serif !important;
    font-size: 1.6rem;
    font-weight: 900;
    color: var(--brand-navy) !important;
    margin-bottom: 22px;
    padding-bottom: 12px;
    border-bottom: 3px solid var(--brand-red);
    display: inline-block;
}

.transparency-item {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    padding: 18px 20px;
    background: var(--bg-light);
    border-radius: var(--r-md);
    margin-bottom: 12px;
    transition: all var(--t-smooth);
    border-left: 3px solid transparent;
}

.dashboard-pane:first-child .transparency-item {
    border-left-color: var(--clr-success);
}

.dashboard-pane:last-child .transparency-item {
    border-left-color: var(--clr-danger);
}

.transparency-item:hover {
    transform: translateX(6px);
    box-shadow: var(--shadow-sm);
    background: var(--bg-white);
}

.transparency-item h4 {
    font-family: 'Exo', sans-serif !important;
    font-size: 1rem;
    font-weight: 800;
    color: var(--brand-navy) !important;
    margin-bottom: 4px;
}

.transparency-item p {
    font-size: 0.88rem;
    color: var(--text-body) !important;
    margin-bottom: 0;
    line-height: 1.5;
}

.item-icon-box {
    width: 44px;
    height: 44px;
    border-radius: var(--r-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.2rem;
    flex-shrink: 0;
}

.bg-success-light {
    background: rgba(16, 185, 129, 0.12);
    color: var(--clr-success);
}

.bg-danger-light {
    background: rgba(239, 68, 68, 0.12);
    color: var(--clr-danger);
}

/* ============================================================
   SECTION 5: HOW IT WORKS
   ============================================================ */
.how-it-works-section {
    padding: 110px 0 60px;
    background: var(--bg-white) !important;
}

.section-main-heading {
    font-family: 'Exo', sans-serif !important;
    font-size: 2.6rem;
    font-weight: 900;
    text-align: center;
    margin-bottom: 80px;
    color: var(--brand-navy) !important;
    position: relative;
}

.section-main-heading::after {
    content: '';
    display: block;
    width: 70px;
    height: 4px;
    background: var(--brand-red);
    border-radius: 2px;
    margin: 16px auto 0;
}

.how-it-works-split {
    display: flex;
    align-items: flex-start;
    gap: 50px;
    max-width: 1200px;
    margin: 0 auto;
}

.why-insurance-pane {
    flex: 1;
    padding: 0 55px 0 20px;
    border-right: 2px solid rgba(34, 58, 102, 0.10);
}

.why-insurance-pane h3 {
    font-family: 'Exo', sans-serif !important;
    font-size: 1.9rem;
    font-weight: 900;
    color: var(--brand-navy) !important;
    margin-bottom: 45px;
}

.d-journey-pane h2 {
    font-family: 'Exo', sans-serif !important;
    font-size: 1.9rem;
    font-weight: 900;
    color: var(--brand-navy) !important;
    margin-bottom: 45px;
}

.why-list-v2 {
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.why-item-v2 {
    display: flex;
    align-items: flex-start;
    gap: 18px;
    padding: 20px 24px;
    background: var(--bg-lighter);
    border: 1px solid rgba(34, 58, 102, 0.08);
    border-radius: var(--r-md);
    margin-bottom: 14px;
    transition: all var(--t-smooth);
    position: relative;
    overflow: hidden;
}

.why-item-v2::before {
    content: '';
    position: absolute;
    left: 0;
    top: 0;
    bottom: 0;
    width: 3px;
    background: var(--brand-red);
}

.why-item-v2:hover {
    transform: translateX(8px);
    background: var(--bg-navy-tint);
    border-color: rgba(34, 58, 102, 0.15);
    box-shadow: var(--shadow-sm);
}

.why-item-v2 i {
    font-size: 1.4rem;
    color: var(--brand-navy);
    margin-top: 2px;
    flex-shrink: 0;
    transition: color var(--t-fast);
}

.why-item-v2:hover i {
    color: var(--brand-red);
}

.why-item-v2 p {
    font-size: 1rem;
    font-weight: 600;
    color: var(--text-navy) !important;
    line-height: 1.5;
    margin: 0;
}

.why-closing-text {
    margin-top: 35px;
    font-size: 0.95rem;
    color: var(--text-body) !important;
    font-weight: 600;
    border-left: 3px solid var(--brand-red);
    padding: 14px 20px;
    background: var(--brand-red-light);
    border-radius: 0 var(--r-sm) var(--r-sm) 0;
}

/* D-journey pane */
.d-journey-pane {
    flex: 1;
    position: relative;
    min-height: 550px;
    padding-left: 20px;
}

.giant-d-shape {
    position: absolute;
    left: -20px;
    top: 280px;
    width: 360px;
    height: 360px;
    border-right: 3px solid rgba(34, 58, 102, 0.20);
    border-radius: 0 180px 180px 0;
    opacity: 0.8;
    z-index: 5;
    transform: translateY(-50%);
}

.lottie-front-d {
    position: absolute;
    left: 60px;
    top: 280px;
    transform: translateY(-50%);
    z-index: 20;
}

/* Journey steps */
.curve-step {
    position: absolute;
    width: 260px;
    display: flex;
    align-items: center;
    gap: 14px;
    z-index: 25;
}

.curve-step i {
    font-size: 1rem;
    color: #fff;
    background: var(--brand-navy);
    width: 36px;
    height: 36px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    box-shadow: var(--shadow-navy);
    border: 3px solid #fff;
    transition: all var(--t-fast);
}

.curve-step:hover i {
    background: var(--brand-red);
    transform: scale(1.1);
}

.curve-step h4 {
    font-family: 'Exo', sans-serif !important;
    font-size: 1rem;
    font-weight: 800;
    color: var(--brand-navy) !important;
    margin-bottom: 2px;
}

.curve-step p {
    font-size: 0.8rem;
    color: var(--text-body) !important;
    line-height: 1.3;
    font-weight: 500;
    margin: 0;
}

.step-1 {
    top: 100px;
    left: 310px;
}

.step-2 {
    top: 210px;
    left: 370px;
}

.step-3 {
    top: 350px;
    left: 370px;
}

.step-4 {
    top: 430px;
    left: 290px;
}

/* CTA Call Box */
.cta-call-box {
    display: inline-flex;
    flex-direction: column;
    align-items: center;
    background: var(--brand-navy);
    border: 2px solid var(--brand-navy);
    padding: 20px 50px;
    border-radius: 60px;
    text-decoration: none !important;
    transition: all var(--t-smooth);
    box-shadow: var(--shadow-navy);
    position: relative;
    overflow: hidden;
}

.cta-call-box::before {
    content: '';
    position: absolute;
    inset: 0;
    background: var(--grad-red);
    opacity: 0;
    transition: opacity var(--t-fast);
}

.cta-call-box:hover::before {
    opacity: 1;
}

.cta-call-box:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-red);
}

.cta-label {
    color: rgba(255, 255, 255, 0.80);
    font-size: 0.75rem;
    font-weight: 900;
    font-family: 'Exo', sans-serif !important;
    letter-spacing: 3px;
    margin-bottom: 6px;
    text-transform: uppercase;
    position: relative;
    z-index: 1;
}

.cta-phone {
    color: #fff;
    font-size: 1.5rem;
    font-weight: 800;
    font-family: 'Exo', sans-serif !important;
    display: flex;
    align-items: center;
    gap: 10px;
    position: relative;
    z-index: 1;
}

.cta-phone i {
    animation: phone-wiggle 2.5s infinite;
}

@keyframes phone-wiggle {

    0%,
    65%,
    100% {
        transform: rotate(0);
    }

    10%,
    30%,
    50% {
        transform: rotate(-12deg);
    }

    20%,
    40%,
    60% {
        transform: rotate(12deg);
    }
}

/* ============================================================
   SECTION 6: COMPARE MATRIX
   ============================================================ */
.compare-matrix-section {
    padding: 60px 0 110px;
    background: var(--bg-lighter) !important;
}

.compare-container {
    max-width: 1000px;
    margin: 0 auto;
    background: var(--bg-white) !important;
    border-radius: var(--r-xl);
    overflow: hidden;
    border: 1px solid rgba(34, 58, 102, 0.08) !important;
    box-shadow: var(--shadow-md) !important;
}

.compare-table {
    width: 100% !important;
    border-collapse: collapse !important;
    background: transparent !important;
}

.compare-table thead tr {
    background: var(--grad-navy) !important;
}

.compare-table th {
    padding: 26px 22px !important;
    color: #fff !important;
    font-family: 'Exo', sans-serif !important;
    font-size: 1rem !important;
    font-weight: 800 !important;
    text-align: center !important;
    border: none !important;
    letter-spacing: 0.5px;
    text-transform: uppercase;
}

.compare-table th:first-child {
    text-align: left !important;
    padding-left: 40px !important;
}

.compare-table tr {
    background: transparent !important;
    transition: background var(--t-fast);
}

.compare-table tbody tr:nth-child(even) {
    background: var(--bg-lighter) !important;
}

.compare-table tbody tr:hover {
    background: var(--bg-navy-tint) !important;
}

.compare-table td {
    padding: 20px 22px !important;
    color: var(--text-body) !important;
    font-weight: 600 !important;
    text-align: center !important;
    border-bottom: 1px solid rgba(34, 58, 102, 0.06) !important;
    vertical-align: middle !important;
    background: transparent !important;
    font-size: 0.95rem;
}

.compare-table td:first-child {
    text-align: left !important;
    padding-left: 40px !important;
    font-weight: 700 !important;
    color: var(--brand-navy) !important;
}

.compare-status-icon {
    font-size: 1.5rem !important;
    display: inline-block;
    vertical-align: middle;
}

.status-tick {
    color: var(--clr-success) !important;
}

.status-cross {
    color: var(--clr-danger) !important;
}

.conclusion-boost-bar {
    padding: 28px 40px !important;
    text-align: center !important;
    background: linear-gradient(135deg, rgba(34, 58, 102, 0.04), rgba(225, 36, 84, 0.04)) !important;
    border-top: 1px solid rgba(34, 58, 102, 0.08) !important;
}

.conclusion-boost-bar p {
    font-family: 'Exo', sans-serif !important;
    font-size: 1.05rem !important;
    font-weight: 800 !important;
    color: var(--brand-navy) !important;
    margin-bottom: 0 !important;
}

/* ============================================================
   SECTION 7: SOCIAL PROOF
   ============================================================ */
.social-proof-section {
    padding: 110px 0;
    background: var(--bg-white) !important;
}

.overall-rating-header {
    text-align: center;
    margin-bottom: 65px;
}

.overall-rating-header h2 {
    font-family: 'Exo', sans-serif !important;
    font-size: 2.6rem;
    font-weight: 900;
    color: var(--brand-navy) !important;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 16px;
    flex-wrap: wrap;
}

.badge-49 {
    display: inline-block;
    background: var(--grad-red);
    color: #fff;
    font-size: 0.8rem;
    font-weight: 800;
    font-family: 'Exo', sans-serif !important;
    padding: 6px 16px;
    border-radius: var(--r-pill);
    letter-spacing: 0.5px;
    box-shadow: var(--shadow-red);
}

.rating-stars {
    display: flex;
    justify-content: center;
    gap: 4px;
    margin-top: 8px;
}

.rating-stars i {
    color: var(--clr-gold);
    font-size: 1.1rem;
    text-shadow: 0 2px 6px rgba(245, 158, 11, 0.30);
}

.stories-grid {
    display: flex;
    flex-wrap: wrap;
    gap: 28px;
    justify-content: center;
}

.story-card-v4 {
    flex: 1;
    min-width: 420px;
    max-width: 560px;
    background: var(--bg-white) !important;
    border-radius: var(--r-lg);
    padding: 28px;
    border: 1px solid rgba(34, 58, 102, 0.08) !important;
    display: flex;
    flex-direction: row;
    align-items: center;
    gap: 25px;
    transition: all var(--t-smooth);
    box-shadow: var(--shadow-sm);
    position: relative;
    overflow: hidden;
}

/* Red accent strip */
.story-card-v4::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--grad-red);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform var(--t-smooth);
}

.story-card-v4:hover::before {
    transform: scaleX(1);
}

.story-card-v4:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
    border-color: rgba(225, 36, 84, 0.15);
}

.pet-photo-frame {
    flex: 0 0 138px;
    height: 138px;
    border-radius: var(--r-md);
    border: 3px solid var(--brand-navy);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
}

.pet-photo-frame img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center;
    transition: transform var(--t-smooth);
}

.story-card-v4:hover .pet-photo-frame img {
    transform: scale(1.06);
}

.story-content-right {
    flex: 1;
    text-align: left;
}

.story-text {
    font-size: 0.9rem;
    color: var(--text-body) !important;
    font-weight: 500;
    line-height: 1.6;
    margin-bottom: 10px;
    font-style: italic;
    display: -webkit-box;
    -webkit-line-clamp: 3;
    -webkit-box-orient: vertical;
    overflow: hidden;
}

.read-more-btn {
    color: var(--brand-red);
    font-size: 0.8rem;
    font-weight: 700;
    cursor: pointer;
    text-decoration: underline;
    margin-bottom: 10px;
    display: inline-block;
    transition: color var(--t-fast);
}

.read-more-btn:hover {
    color: var(--brand-navy);
}

.author-info h4 {
    font-family: 'Exo', sans-serif !important;
    font-size: 0.95rem;
    font-weight: 800;
    color: var(--brand-navy) !important;
    margin-bottom: 2px;
}

.author-info p {
    font-size: 0.78rem;
    color: var(--text-muted) !important;
    font-weight: 500;
    margin-bottom: 0;
}

/* Story Modal */
.story-modal {
    display: none;
    position: fixed;
    z-index: 9999;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(21, 36, 64, 0.60);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
}

.modal-content-glass {
    background: var(--bg-white);
    border: 1px solid rgba(34, 58, 102, 0.12);
    margin: 8% auto;
    padding: 50px;
    border-radius: var(--r-xl);
    width: 90%;
    max-width: 600px;
    position: relative;
    box-shadow: 0 40px 80px rgba(21, 36, 64, 0.25);
    border-top: 4px solid var(--brand-red);
}

.close-modal {
    position: absolute;
    right: 28px;
    top: 22px;
    font-size: 1.8rem;
    cursor: pointer;
    color: var(--text-muted);
    transition: all var(--t-fast);
    line-height: 1;
}

.close-modal:hover {
    color: var(--brand-red);
    transform: rotate(90deg);
}

/* ============================================================
   SECTION 8: FAQ — CLEAN ACCORDION
   ============================================================ */
.faq-section {
    padding: 110px 0;
    background: var(--bg-lighter) !important;
}

.faq-container {
    max-width: 900px;
    margin: 0 auto;
}

.faq-card {
    background: var(--bg-white);
    border-radius: var(--r-md);
    margin-bottom: 14px;
    border: 1px solid rgba(34, 58, 102, 0.10);
    overflow: hidden;
    transition: all var(--t-smooth);
    box-shadow: var(--shadow-sm);
}

.faq-card.active {
    border-color: var(--brand-red);
    box-shadow: 0 8px 25px rgba(225, 36, 84, 0.12);
}

.faq-header {
    padding: 22px 30px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    cursor: pointer;
    transition: background var(--t-fast);
}

.faq-header:hover {
    background: var(--bg-navy-tint);
}

.faq-card.active .faq-header {
    background: var(--bg-navy-tint);
}

.faq-header h4 {
    font-family: 'Exo', sans-serif !important;
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--brand-navy) !important;
    margin-bottom: 0;
    line-height: 1.4;
}

.faq-icon {
    font-size: 1.2rem;
    color: var(--brand-red);
    transition: transform 0.35s ease;
    flex-shrink: 0;
    margin-left: 16px;
}

.faq-card.active .faq-icon {
    transform: rotate(180deg);
}

.faq-body {
    display: none;
    border-top: 1px solid rgba(34, 58, 102, 0.08);
}

.faq-card.active .faq-body {
    display: block;
}

.faq-body p {
    padding: 20px 30px 24px;
    font-size: 0.95rem;
    color: var(--text-body) !important;
    line-height: 1.7;
    font-weight: 400;
    margin: 0;
}

/* ============================================================
   MODAL INNER (overrides for dark JS-generated content)
   ============================================================ */
#modalBody h4 {
    color: var(--brand-navy) !important;
}

#modalBody p.text-muted {
    color: var(--text-muted) !important;
}

#modalBody p.font-weight-bold {
    color: var(--text-body) !important;
}

/* ============================================================
   MISC OVERRIDES
   ============================================================ */
.text-warning {
    color: var(--brand-red) !important;
}

/* ============================================================
   RESPONSIVE BREAKPOINTS
   ============================================================ */

/* Large tablets */
@media (max-width: 1199px) {
    .how-it-works-split {
        flex-direction: column;
    }

    .why-insurance-pane {
        border-right: none;
        border-bottom: 2px solid rgba(34, 58, 102, 0.10);
        padding: 0 0 50px;
        text-align: center;
    }

    .why-item-v2 {
        justify-content: flex-start;
        text-align: left;
    }

    .d-journey-pane {
        text-align: center;
        padding: 0;
    }

    .giant-d-shape {
        display: none;
    }

    .lottie-front-d {
        position: relative;
        left: 0;
        top: 0;
        transform: none;
        margin: 0 auto 20px;
    }

    .curve-step {
        position: relative;
        left: 0 !important;
        top: 0 !important;
        width: 100%;
        justify-content: center;
        margin-bottom: 16px;
    }

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

/* Tablets */
@media (max-width: 991px) {
    .trust-accel-grid {
        flex-direction: column;
        text-align: center;
        gap: 20px;
    }

    .trust-accel-item {
        flex-direction: column;
        gap: 10px;
    }

    .why-us-item {
        flex: 0 1 calc(50% - 28px);
    }

    .story-card-v4 {
        min-width: 100%;
    }

    .transparency-dashboard {
        flex-direction: column;
        padding: 35px 24px;
    }
}

/* Mobile */
@media (max-width: 767px) {
    .hero-content-v3 {
        padding: 100px 0 160px;
    }

    .hero-insurance-v3::after {
        height: 80px;
    }

    .hero-text-side h1 {
        font-size: 2.2rem !important;
        line-height: 1.2;
        text-align: center;
    }

    .hero-text-side p {
        font-size: 0.95rem;
        text-align: center;
    }

    .btn-whatsapp-hero {
        display: flex !important;
        justify-content: center;
        width: 100%;
        max-width: 290px;
        margin: 20px auto 0 !important;
    }

    .why-us-heading,
    .section-title-premium,
    .section-main-heading {
        font-size: 1.9rem !important;
    }

    .why-us-heading::after,
    .section-title-premium::after,
    .section-main-heading::after {
        display: none;
    }

    .why-us-item {
        flex: 0 1 100%;
        min-width: unset;
    }

    .stories-grid {
        flex-direction: column;
    }

    .story-card-v4 {
        flex-direction: column;
        min-width: unset;
        text-align: center;
    }

    .story-content-right {
        text-align: center;
    }

    .pet-photo-frame {
        margin: 0 auto;
        width: 100%;
        height: 200px;
        flex: none;
    }

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

    /* Compare table mobile reflow */
    .compare-matrix-section {
        padding: 40px 0 60px;
    }

    .compare-container {
        background: transparent !important;
        border: none !important;
        box-shadow: none !important;
        overflow: visible;
        margin: 0;
    }

    .compare-table,
    .compare-table thead,
    .compare-table tbody,
    .compare-table th,
    .compare-table td,
    .compare-table tr {
        display: block;
        width: 100%;
    }

    .compare-table thead {
        display: none;
    }

    .compare-table tr {
        background: var(--bg-white) !important;
        margin-bottom: 20px;
        border-radius: var(--r-md);
        padding: 20px;
        border: 1px solid rgba(34, 58, 102, 0.08) !important;
        box-shadow: var(--shadow-sm);
    }

    .compare-table td {
        text-align: center !important;
        padding: 10px 0 !important;
        border: none !important;
        display: flex;
        justify-content: space-between;
        align-items: center;
    }

    .compare-table td:first-child {
        font-size: 1.05rem !important;
        color: var(--brand-navy) !important;
        border-bottom: 1px solid rgba(34, 58, 102, 0.08) !important;
        margin-bottom: 10px;
        padding-bottom: 14px !important;
        padding-left: 0 !important;
        justify-content: center;
    }

    .compare-table td:nth-child(2):before {
        content: "Premium Doggies:";
        font-weight: 700;
        color: var(--brand-navy);
    }

    .compare-table td:nth-child(3):before {
        content: "Traditional Insurers:";
        font-weight: 700;
        color: var(--text-muted);
    }

    .conclusion-boost-bar {
        margin-top: 20px;
        padding: 20px !important;
        border: none !important;
    }

    .conclusion-boost-bar p {
        font-size: 0.95rem !important;
    }

    .modal-content-glass {
        padding: 30px 24px;
    }

    .transparency-dashboard {
        flex-direction: column;
        padding: 28px 20px;
    }
}

/* Small phones */
@media (max-width: 480px) {
    .hero-text-side h1 {
        font-size: 1.9rem !important;
    }

    .why-us-heading,
    .section-title-premium,
    .section-main-heading {
        font-size: 1.6rem !important;
    }

    .pet-tab-btn {
        padding: 11px 18px;
        font-size: 0.8rem;
    }

    .collage-wrapper {
        height: 360px;
    }

    .img-main {
        width: 220px;
        height: 220px;
    }

    .img-small-1 {
        width: 128px;
        height: 128px;
    }

    .img-small-2 {
        width: 148px;
        height: 148px;
    }

    .img-tiny {
        width: 88px;
        height: 88px;
    }
}