/* =========================================================
   Insurance Premium 01 — Full Width Premium Theme
   ========================================================= */
:root{
    --ins-primary:#1f6bff;
    --ins-primary-2:#22c58b;
    --ins-dark:#0f213d;
    --ins-text:#1f2f46;
    --ins-muted:#6e7c91;
    --ins-border:#e2e8f0;
    --ins-soft:#f7faff;
    --ins-card:#fff;
    --ins-shadow:0 24px 70px rgba(15,33,61,.12);
}

html{scroll-behavior:smooth}
.ins-container{width:min(1440px,calc(100% - 48px));margin-inline:auto}
.ins-topbar{background:var(--ins-dark);color:#fff;font-size:11px}
.ins-topbar__inner{min-height:34px;display:flex;align-items:center;justify-content:space-between;gap:18px}
.ins-topbar__inner>div{display:flex;gap:14px}.ins-topbar a{color:#fff;text-decoration:none;opacity:.9}
.ins-header{background:#fff;border-bottom:1px solid var(--ins-border)}
.ins-header__inner{min-height:88px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.ins-brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ins-dark)}
.ins-brand__mark{width:48px;height:48px;display:grid;place-items:center;border-radius:15px;background:linear-gradient(145deg,var(--ins-primary),var(--ins-primary-2));color:#fff;font-size:20px;font-weight:900;box-shadow:0 12px 30px rgba(31,107,255,.22)}
.ins-brand__copy{display:grid;gap:3px}.ins-brand__copy strong{font-size:18px}.ins-brand__copy small{font-size:10px;color:var(--ins-muted)}
.ins-header__badges{display:flex;gap:8px}.ins-header__badges span{padding:9px 11px;border:1px solid var(--ins-border);border-radius:999px;background:#fff;color:var(--ins-muted);font-size:9px;font-weight:750}
.ins-navbar{position:sticky;top:0;z-index:90;background:rgba(255,255,255,.96);border-bottom:1px solid var(--ins-border);backdrop-filter:blur(14px)}
.ins-navbar__inner{min-height:62px;display:flex;align-items:center;gap:18px}
.ins-nav-menu{flex:1;display:flex;align-items:center;gap:2px}
.ins-nav-link{min-height:40px;display:inline-flex;align-items:center;gap:6px;padding:0 12px;border:0;border-radius:10px;background:transparent;color:var(--ins-text);text-decoration:none;font:inherit;font-size:11px;font-weight:800;cursor:pointer}
.ins-nav-link:hover,.ins-nav-dropdown:focus-within>.ins-nav-link{background:#eff5ff;color:var(--ins-primary)}
.ins-nav-dropdown{position:relative}
.ins-nav-dropdown__menu{position:absolute;left:0;top:calc(100% + 10px);min-width:240px;padding:9px;border:1px solid var(--ins-border);border-radius:16px;background:#fff;box-shadow:var(--ins-shadow);opacity:0;visibility:hidden;transform:translateY(8px);transition:.18s ease}
.ins-nav-dropdown:hover .ins-nav-dropdown__menu,.ins-nav-dropdown:focus-within .ins-nav-dropdown__menu{opacity:1;visibility:visible;transform:translateY(0)}
.ins-nav-dropdown__menu a{display:block;padding:10px 11px;border-radius:9px;color:var(--ins-text);text-decoration:none;font-size:11px;font-weight:700}
.ins-nav-dropdown__menu a:hover{background:#eff5ff;color:var(--ins-primary)}
.ins-nav-cta{min-height:42px;display:inline-flex;align-items:center;justify-content:center;padding:0 16px;border-radius:11px;background:linear-gradient(135deg,var(--ins-primary),#4788ff);color:#fff;text-decoration:none;font-size:11px;font-weight:850;box-shadow:0 12px 28px rgba(31,107,255,.22)}
.ins-nav-toggle{display:none;width:42px;height:42px;padding:9px;border:1px solid var(--ins-border);border-radius:10px;background:#fff}.ins-nav-toggle span{display:block;height:2px;margin:4px 0;background:var(--ins-dark)}

.ins-kicker{display:inline-flex;min-height:29px;align-items:center;padding:0 10px;border-radius:999px;background:#edf4ff;color:var(--ins-primary);font-size:9px;font-weight:900;letter-spacing:.06em;text-transform:uppercase}
.ins-heading{max-width:900px;margin:0 auto 40px;text-align:center}.ins-heading--left{max-width:820px;margin-left:0;text-align:left}
.ins-heading h2,.ins-two-col h2,.ins-banner h2,.ins-contact h2{margin:16px 0;color:var(--ins-dark);font-size:clamp(2.5rem,4.4vw,4.8rem);line-height:1.02;letter-spacing:-.05em}
.ins-heading p,.ins-two-col p,.ins-banner p,.ins-contact p{color:var(--ins-muted);line-height:1.8}
.ins-btn{min-height:48px;display:inline-flex;align-items:center;justify-content:center;padding:0 18px;border-radius:12px;text-decoration:none;font-size:11px;font-weight:850}
.ins-btn--primary{background:linear-gradient(135deg,var(--ins-primary),#4788ff);color:#fff;box-shadow:0 12px 28px rgba(31,107,255,.2)}
.ins-btn--secondary{border:1px solid var(--ins-border);background:#fff;color:var(--ins-text)}.ins-btn--light{background:#fff;color:var(--ins-dark)}

.ins-hero{padding:88px 0 96px;background:radial-gradient(circle at 5% 10%,rgba(31,107,255,.10),transparent 28%),radial-gradient(circle at 95% 12%,rgba(34,197,139,.10),transparent 28%),linear-gradient(135deg,#f8fbff,#fff)}
.ins-hero--02{background:linear-gradient(135deg,#f7fbff,#f7fffb)}.ins-hero--03{background:linear-gradient(135deg,#f8fbff,#fff)}.ins-hero--04{background:linear-gradient(135deg,#f8faff,#f7fffb)}.ins-hero--05{background:linear-gradient(135deg,#f9fbff,#fff)}
.ins-hero__grid{display:grid;grid-template-columns:1.08fr .92fr;align-items:center;gap:74px}
.ins-hero h1{max-width:900px;margin:18px 0;color:var(--ins-dark);font-size:clamp(3.5rem,6.2vw,6.8rem);line-height:.95;letter-spacing:-.06em}
.ins-hero__content>p{max-width:700px;margin:0;color:var(--ins-muted);font-size:16px;line-height:1.8}
.ins-hero__actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:28px}
.ins-hero__stats{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;max-width:620px;margin-top:34px}
.ins-hero__stats div{padding:16px;border:1px solid var(--ins-border);border-radius:15px;background:rgba(255,255,255,.85)}
.ins-hero__stats strong,.ins-hero__stats span{display:block}.ins-hero__stats strong{color:var(--ins-primary);font-size:18px}.ins-hero__stats span{margin-top:3px;color:var(--ins-muted);font-size:9px}
.ins-hero__visual{position:relative;min-height:560px;padding:11px;border-radius:30px;background:#fff;box-shadow:var(--ins-shadow)}
.ins-hero__visual img,.ins-hero__placeholder{width:100%;height:538px;display:block;object-fit:cover;border-radius:23px}
.ins-hero__placeholder{display:grid;place-items:center;align-content:center;gap:10px;background:linear-gradient(145deg,#12345d,#1f6bff);color:#fff;text-align:center}
.ins-shield{width:150px;height:150px;display:grid;place-items:center;border-radius:44% 44% 52% 52%;border:1px solid rgba(255,255,255,.25);font-size:60px;font-weight:900;box-shadow:0 0 0 30px rgba(255,255,255,.04)}
.ins-float-card{position:absolute;padding:13px 15px;border:1px solid rgba(255,255,255,.9);border-radius:15px;background:rgba(255,255,255,.96);box-shadow:var(--ins-shadow)}
.ins-float-card strong,.ins-float-card small{display:block}.ins-float-card strong{color:var(--ins-text);font-size:10px}.ins-float-card small{margin-top:3px;color:var(--ins-muted);font-size:9px}
.ins-float-card--top{top:38px;left:-34px}.ins-float-card--bottom{right:-28px;bottom:38px}

.ins-about,.ins-section,.ins-contact{padding:96px 0;background:#fff}.ins-about--02,.ins-about--04,.ins-section--alt{background:var(--ins-soft)}
.ins-two-col{display:grid;grid-template-columns:.95fr 1.05fr;gap:68px;align-items:center}
.ins-media-panel img,.ins-media-placeholder{width:100%;height:520px;object-fit:cover;border-radius:28px;box-shadow:var(--ins-shadow)}
.ins-media-placeholder{display:grid;place-items:center;align-content:center;gap:10px;background:linear-gradient(145deg,#eef5ff,#f4fffb);color:var(--ins-primary);font-size:56px;font-weight:900;text-align:center}
.ins-metrics{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:28px}
.ins-metrics div,.ins-trust-strip div{padding:16px;border:1px solid var(--ins-border);border-radius:14px;background:#fff}
.ins-metrics strong,.ins-metrics span,.ins-trust-strip strong,.ins-trust-strip span{display:block}.ins-metrics strong,.ins-trust-strip strong{color:var(--ins-primary)}.ins-metrics span,.ins-trust-strip span{margin-top:3px;color:var(--ins-muted);font-size:9px}
.ins-card-grid{display:grid;gap:16px}.ins-card-grid--3{grid-template-columns:repeat(3,1fr)}.ins-card-grid--4{grid-template-columns:repeat(4,1fr)}
.ins-card-grid article,.ins-number-grid article{padding:26px;border:1px solid var(--ins-border);border-radius:20px;background:#fff;box-shadow:0 12px 34px rgba(15,33,61,.055)}
.ins-card-grid article>span{width:44px;height:44px;display:grid;place-items:center;border-radius:13px;background:#edf4ff;color:var(--ins-primary);font-weight:900}
.ins-card-grid h3,.ins-number-grid h3,.ins-feature-stack h3{margin:14px 0 7px;color:var(--ins-dark)}
.ins-card-grid p,.ins-number-grid p,.ins-feature-stack p{margin:0;color:var(--ins-muted);font-size:11px;line-height:1.7}.ins-card-grid a{display:inline-flex;margin-top:14px;color:var(--ins-primary);text-decoration:none;font-size:10px;font-weight:850}
.ins-timeline{display:grid;gap:12px}.ins-timeline article{display:grid;grid-template-columns:90px 1fr;gap:20px;padding:18px;border:1px solid var(--ins-border);border-radius:16px;background:#fff}.ins-timeline article>strong{color:var(--ins-primary)}.ins-timeline h3{margin:0 0 5px;color:var(--ins-dark)}.ins-timeline p{margin:0}
.ins-trust-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.ins-list-stack,.ins-feature-stack{display:grid;gap:10px}
.ins-list-stack article,.ins-feature-stack article{padding:17px;border:1px solid var(--ins-border);border-radius:15px;background:#fff}.ins-list-stack strong,.ins-list-stack span{display:block}.ins-list-stack span{margin-top:4px;color:var(--ins-muted);font-size:10px;line-height:1.6}
.ins-number-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.ins-number-grid small{color:var(--ins-primary);font-weight:900}
.ins-feature-stack article{display:grid;grid-template-columns:42px 1fr auto;align-items:center;gap:14px}.ins-feature-stack article>span{width:40px;height:40px;display:grid;place-items:center;border-radius:11px;background:#edf4ff;color:var(--ins-primary)}.ins-feature-stack h3{margin:0 0 4px}.ins-feature-stack a{color:var(--ins-primary);text-decoration:none}
.ins-banner{display:flex;align-items:end;justify-content:space-between;gap:28px}.ins-banner>div{max-width:900px}.ins-banner--dark{padding:42px;border-radius:24px;background:linear-gradient(135deg,#10233e,#1f6bff);color:#fff}.ins-banner--dark h2{color:#fff}.ins-banner--dark p{color:rgba(255,255,255,.76)}
.ins-chip-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}.ins-chip-row span{padding:12px 14px;border:1px solid var(--ins-border);border-radius:12px;background:#fff;color:var(--ins-text);font-size:10px;font-weight:800}
.ins-quote{color:var(--ins-primary);font-size:40px;line-height:1}

.ins-contact__grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:68px}
.ins-contact__form{display:grid;gap:12px;padding:28px;border:1px solid var(--ins-border);border-radius:22px;background:#fff;box-shadow:var(--ins-shadow)}
.ins-contact__form input,.ins-contact__form select,.ins-contact__form textarea{width:100%;padding:14px;border:1px solid var(--ins-border);border-radius:11px;background:#fff;font:inherit}
.ins-contact__form button{min-height:48px;border:0;border-radius:11px;background:linear-gradient(135deg,var(--ins-primary),#4788ff);color:#fff;font-weight:850}

.ins-footer{padding-top:58px;background:var(--ins-dark);color:rgba(255,255,255,.74)}
.ins-footer__grid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:34px;padding-bottom:44px}
.ins-footer__brand{display:flex;align-items:center;gap:12px;color:#fff}.ins-footer h4{margin:0 0 12px;color:#fff}.ins-footer a,.ins-footer span{display:block;margin:8px 0;color:rgba(255,255,255,.72);text-decoration:none;font-size:11px}.ins-footer p{max-width:430px;line-height:1.7}.ins-footer__bottom{padding:18px 0;border-top:1px solid rgba(255,255,255,.1);font-size:10px}

@media(max-width:1100px){
    .ins-hero__grid,.ins-two-col,.ins-contact__grid{grid-template-columns:1fr}
    .ins-card-grid--4{grid-template-columns:repeat(2,1fr)}
    .ins-footer__grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:840px){
    .ins-header__badges{display:none}
    .ins-nav-toggle{display:block}
    .ins-navbar__inner{justify-content:space-between}
    .ins-nav-menu{position:absolute;left:16px;right:16px;top:calc(100% + 8px);display:none;padding:10px;border:1px solid var(--ins-border);border-radius:16px;background:#fff;box-shadow:var(--ins-shadow)}
    .ins-navbar.is-open .ins-nav-menu{display:block}
    .ins-nav-link{width:100%;justify-content:space-between}
    .ins-nav-dropdown__menu{position:static;display:none;min-width:0;margin:4px 0 6px 12px;border:0;border-left:2px solid var(--ins-border);border-radius:0;box-shadow:none;opacity:1;visibility:visible;transform:none}
    .ins-nav-dropdown:hover .ins-nav-dropdown__menu{display:none}
    .ins-nav-dropdown.is-open .ins-nav-dropdown__menu{display:block}
}
@media(max-width:680px){
    .ins-container{width:min(100% - 28px,1440px)}
    .ins-topbar__inner{justify-content:center}.ins-topbar__inner>div{display:none}
    .ins-hero{padding:64px 0 72px}.ins-hero h1{font-size:clamp(3rem,12vw,4.5rem)}
    .ins-hero__stats,.ins-metrics,.ins-trust-strip,.ins-card-grid--3,.ins-card-grid--4,.ins-number-grid{grid-template-columns:1fr}
    .ins-hero__visual,.ins-hero__visual img,.ins-hero__placeholder,.ins-media-panel img,.ins-media-placeholder{height:380px;min-height:380px}
    .ins-float-card--top{left:10px}.ins-float-card--bottom{right:10px}
    .ins-feature-stack article{grid-template-columns:42px 1fr}.ins-feature-stack article>a{grid-column:2}
    .ins-banner{flex-direction:column;align-items:flex-start}
    .ins-footer__grid{grid-template-columns:1fr}
}