/* ===========================
   RESET & BASE
   =========================== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --black:    #111111;
  --black-2:  #1a1a1a;
  --black-3:  #222222;
  --orange:   #E87722;
  --orange-2: #F5913A;
  --orange-3: #c96318;
  --white:    #ffffff;
  --off-white:#f7f7f5;
  --gray-1:   #ebebeb;
  --gray-2:   #aaaaaa;
  --gray-3:   #666666;
  --text:     #1a1a1a;
  --shadow:    0 4px 24px rgba(0,0,0,.10);
  --shadow-lg: 0 12px 48px rgba(0,0,0,.18);
  --radius:    12px;
  --radius-lg: 20px;
  --transition: .3s ease;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  line-height: 1.65;
  color: var(--text);
  background: var(--white);
  overflow-x: hidden;
}

a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }
ul { list-style: none; }

.container {
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 24px;
}

.section { padding: 96px 0; }

/* ===========================
   TYPOGRAPHY
   =========================== */
.section__label {
  display: inline-block;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 12px;
}
.section__label.center { display: block; text-align: center; }

.section__title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  font-weight: 700;
  line-height: 1.2;
  color: var(--black);
  margin-bottom: 16px;
}
.section__title.center { text-align: center; }
.section__title em { font-style: italic; color: var(--orange); }

/* ===========================
   BUTTONS
   =========================== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 8px;
  font-size: .95rem;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition);
  border: 2px solid transparent;
}
.btn--primary {
  background: var(--orange);
  color: var(--white);
  border-color: var(--orange);
}
.btn--primary:hover {
  background: var(--orange-2);
  border-color: var(--orange-2);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(232,119,34,.4);
}
.btn--outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,.5);
}
.btn--outline:hover {
  background: rgba(255,255,255,.1);
  border-color: var(--white);
}
.btn--full { width: 100%; justify-content: center; }

/* ===========================
   HEADER / NAV
   =========================== */
.header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  transition: background var(--transition), box-shadow var(--transition);
}
.header.scrolled {
  background: var(--black);
  box-shadow: var(--shadow);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.nav__logo {
  display: flex;
  align-items: center;
  gap: 10px;
}
.nav__logo-img {
  width: 40px;
  height: auto;
  flex-shrink: 0;
}
.nav__logo-text {
  color: var(--white);
  font-size: .72rem;
  font-weight: 700;
  line-height: 1.4;
  text-transform: uppercase;
  letter-spacing: .04em;
  opacity: .9;
}

.nav__links {
  display: flex;
  align-items: center;
  gap: 36px;
}
.nav__link {
  color: rgba(255,255,255,.8);
  font-size: .9rem;
  font-weight: 500;
  transition: color var(--transition);
}
.nav__link:hover { color: var(--white); }
.nav__link--cta {
  background: var(--orange);
  color: var(--white) !important;
  padding: 10px 20px;
  border-radius: 8px;
  font-weight: 600;
}
.nav__link--cta:hover {
  background: var(--orange-2);
  transform: translateY(-1px);
}

.nav__toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.nav__toggle span {
  display: block;
  width: 24px; height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}

/* ===========================
   HERO
   =========================== */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  background: var(--black);
  overflow: hidden;
}

.hero__overlay {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(135deg, #111111 0%, #1a1a1a 100%);
  z-index: 0;
}

/* big decorative logo watermark in hero background */
.hero__logo-bg {
  position: absolute;
  right: -60px;
  top: 50%;
  transform: translateY(-50%);
  width: 600px;
  opacity: .07;
  z-index: 1;
  pointer-events: none;
}
.hero__logo-bg img { width: 100%; }

/* orange accent glow */
.hero::after {
  content: '';
  position: absolute;
  right: 20%;
  top: 30%;
  width: 500px; height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(232,119,34,.15) 0%, transparent 70%);
  z-index: 0;
  pointer-events: none;
}

.hero__content {
  position: relative;
  z-index: 2;
  max-width: 680px;
  padding-top: 80px;
}

.hero__tagline {
  display: inline-block;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .15em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 20px;
  padding: 6px 14px;
  border: 1px solid rgba(232,119,34,.4);
  border-radius: 100px;
}

.hero__title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.4rem, 5.5vw, 4rem);
  font-weight: 700;
  line-height: 1.1;
  color: var(--white);
  margin-bottom: 24px;
}
.hero__title span { color: var(--orange); }

.hero__subtitle {
  font-size: 1.1rem;
  color: rgba(255,255,255,.65);
  max-width: 520px;
  margin-bottom: 40px;
  line-height: 1.7;
}

.hero__actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}

.hero__phone {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255,255,255,.5);
  font-size: .95rem;
}
.hero__phone svg { width: 18px; height: 18px; }
.hero__phone a {
  color: var(--white);
  font-weight: 600;
  font-size: 1.1rem;
  transition: color var(--transition);
}
.hero__phone a:hover { color: var(--orange); }

.hero__scroll {
  position: absolute;
  bottom: 40px; left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,.3);
  font-size: .72rem;
  letter-spacing: .1em;
  text-transform: uppercase;
  z-index: 2;
}
.hero__scroll-line {
  width: 1px; height: 40px;
  background: linear-gradient(to bottom, rgba(232,119,34,.6), transparent);
  animation: scrollPulse 2s ease-in-out infinite;
}
@keyframes scrollPulse {
  0%,100% { opacity: .4; transform: scaleY(1); }
  50%      { opacity: 1;  transform: scaleY(1.15); }
}

/* ===========================
   STATS
   =========================== */
.stats {
  background: var(--orange);
  padding: 40px 0;
}
.stats__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}
.stat {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 16px;
  border-right: 1px solid rgba(0,0,0,.15);
}
.stat:last-child { border-right: none; }
.stat__number {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
  margin-bottom: 6px;
}
.stat__label {
  font-size: .8rem;
  font-weight: 600;
  color: rgba(255,255,255,.75);
  text-align: center;
}

/* ===========================
   ABOUT
   =========================== */
.about { background: var(--off-white); }

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

.about__visual { position: relative; }

.about__badge {
  position: absolute;
  top: -16px; right: -16px;
  background: var(--orange);
  color: var(--white);
  font-size: .8rem;
  font-weight: 800;
  padding: 8px 16px;
  border-radius: 100px;
  z-index: 2;
  letter-spacing: .05em;
}
.about__image-wrap {
  position: relative;
  height: 420px;
}
.about__image-block {
  position: absolute;
  border-radius: var(--radius-lg);
}
.about__image-block--1 {
  width: 78%; height: 86%;
  top: 0; left: 0;
  background: linear-gradient(135deg, var(--black) 0%, var(--black-3) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  z-index: 1;
}
/* big logo inside the about visual block */
.about__image-block--1::after {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: inherit;
  background-image:
    linear-gradient(rgba(232,119,34,.06) 1px, transparent 1px),
    linear-gradient(90deg, rgba(232,119,34,.06) 1px, transparent 1px);
  background-size: 32px 32px;
}
.about__image-block--2 {
  width: 55%; height: 55%;
  bottom: 0; right: 0;
  background: linear-gradient(135deg, var(--orange-3) 0%, var(--orange) 100%);
  opacity: .85;
}

.about__logo-inset {
  width: 52%;
  opacity: .22;
  position: relative;
  z-index: 1;
  margin: auto;
  filter: invert(1) brightness(2);
}

.about__text {
  color: var(--gray-3);
  margin-bottom: 20px;
  font-size: 1rem;
}

/* ===========================
   SERVICES
   =========================== */
.services { background: var(--white); }

.services__intro {
  text-align: center;
  color: var(--gray-3);
  max-width: 560px;
  margin: 0 auto 56px;
}

.services__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
/* Marine (7th card) spans full width */
.services__grid .service-card:nth-child(7) { grid-column: 1 / -1; }

.service-card {
  background: var(--off-white);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  border: 1px solid var(--gray-1);
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: var(--orange);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.service-card:hover::before { transform: scaleX(1); }

.service-card--featured {
  background: var(--black);
  border-color: transparent;
  display: grid;
  grid-template-columns: auto 1fr;
  grid-template-rows: auto auto;
  gap: 0 24px;
  align-items: start;
  padding: 36px;
}
.service-card--featured .service-card__icon { grid-row: 1 / 3; }
.service-card--featured .service-card__title { color: var(--white); }
.service-card--featured .service-card__list li { color: rgba(255,255,255,.6); }
.service-card--featured::before { background: var(--orange-2); }

.service-card__icon {
  width: 56px; height: 56px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.service-card__icon svg { width: 26px; height: 26px; }
.service-card__icon--motor    { background: rgba(232,119,34,.12); color: var(--orange); }
.service-card__icon--property { background: rgba(26,26,26,.08);   color: var(--black);  }
.service-card__icon--personal { background: rgba(232,119,34,.12); color: var(--orange); }
.service-card__icon--liability{ background: rgba(26,26,26,.08);   color: var(--black);  }
.service-card__icon--health   { background: rgba(232,119,34,.12); color: var(--orange); }
.service-card__icon--life     { background: rgba(26,26,26,.08);   color: var(--black);  }
.service-card__icon--marine   {
  background: rgba(232,119,34,.2);
  color: var(--orange-2);
  width: 72px; height: 72px;
  border-radius: 18px;
}
.service-card__icon--marine svg { width: 32px; height: 32px; }

.service-card__badge {
  display: inline-block;
  background: var(--orange);
  color: var(--white);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 100px;
  margin-bottom: 8px;
}

.service-card__title {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--black);
  margin-bottom: 16px;
}

.service-card__list li {
  font-size: .9rem;
  color: var(--gray-3);
  padding: 5px 0 5px 16px;
  position: relative;
}
.service-card__list li::before {
  content: '';
  position: absolute;
  left: 0; top: 50%;
  transform: translateY(-50%);
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--orange);
}

/* ===========================
   WHY CIBL
   =========================== */
.why { background: var(--off-white); }

.why__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  margin-top: 56px;
}

.why__item {
  text-align: center;
  padding: 40px 24px;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--gray-1);
  transition: all var(--transition);
}
.why__item:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow);
  border-color: var(--orange);
}
.why__icon {
  width: 56px; height: 56px;
  background: var(--black);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  color: var(--orange);
}
.why__icon svg { width: 24px; height: 24px; }
.why__item h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--black);
  margin-bottom: 12px;
}
.why__item p {
  font-size: .88rem;
  color: var(--gray-3);
  line-height: 1.6;
}

/* ===========================
   CONTACT
   =========================== */
.contact { background: var(--black); }
.contact .section__label { color: var(--orange); }
.contact .section__title { color: var(--white); }

.contact__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}

.contact__text {
  color: rgba(255,255,255,.6);
  margin-bottom: 40px;
  line-height: 1.7;
}

.contact__details {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.contact__item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 20px;
  background: rgba(255,255,255,.05);
  border-radius: var(--radius);
  border: 1px solid rgba(255,255,255,.08);
  transition: all var(--transition);
}
a.contact__item:hover {
  background: rgba(232,119,34,.1);
  border-color: rgba(232,119,34,.35);
  transform: translateX(4px);
}
.contact__item-icon {
  width: 44px; height: 44px;
  background: var(--orange);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  color: var(--white);
}
.contact__item-icon svg { width: 20px; height: 20px; }
.contact__item-label {
  display: block;
  font-size: .75rem;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: rgba(255,255,255,.4);
  margin-bottom: 4px;
}
.contact__item-value {
  display: block;
  color: var(--white);
  font-weight: 600;
  font-size: 1rem;
}

/* FORM */
.contact__form-wrap { position: relative; }
.contact__form, .contact__success {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
}
.contact__success {
  display: none;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 16px;
}
.contact__success.visible { display: flex; }
.contact__success svg { width: 56px; height: 56px; color: var(--orange); }
.contact__success h3 { font-size: 1.4rem; font-weight: 700; color: var(--black); }
.contact__success p   { color: var(--gray-3); }

.contact__form-title {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--black);
  margin-bottom: 28px;
}

.form__group { margin-bottom: 20px; }
.form__group label {
  display: block;
  font-size: .85rem;
  font-weight: 600;
  color: var(--black);
  margin-bottom: 8px;
}
.form__group input,
.form__group select,
.form__group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--gray-1);
  border-radius: 8px;
  font-family: inherit;
  font-size: .95rem;
  color: var(--text);
  background: var(--off-white);
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
  resize: none;
}
.form__group input:focus,
.form__group select:focus,
.form__group textarea:focus {
  border-color: var(--orange);
  box-shadow: 0 0 0 3px rgba(232,119,34,.15);
  background: var(--white);
}
.form__note {
  text-align: center;
  font-size: .82rem;
  color: var(--gray-2);
  margin-top: 16px;
}
.form__note a { color: var(--orange); font-weight: 600; }

/* CAPTCHA */
.form__captcha {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 16px;
  border: 1.5px solid var(--gray-1);
  border-radius: 8px;
  margin-bottom: 16px;
  background: var(--off-white);
  cursor: pointer;
  transition: border-color var(--transition);
}
.form__captcha:hover { border-color: var(--orange); }
.captcha__label {
  display: flex;
  align-items: center;
  gap: 12px;
  cursor: pointer;
  font-size: .95rem;
  font-weight: 500;
  color: var(--text);
  user-select: none;
}
.captcha__label input[type="checkbox"] { display: none; }
.captcha__checkmark {
  width: 22px; height: 22px;
  border: 2px solid var(--gray-2);
  border-radius: 4px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--transition);
  flex-shrink: 0;
  background: var(--white);
}
.captcha__label input:checked ~ .captcha__checkmark {
  background: var(--orange);
  border-color: var(--orange);
}
.captcha__label input:checked ~ .captcha__checkmark::after {
  content: '';
  width: 5px; height: 10px;
  border: 2px solid white;
  border-top: none;
  border-left: none;
  transform: rotate(45deg) translateY(-1px);
  display: block;
}
.captcha__logo {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 3px;
  color: var(--gray-2);
  font-size: .65rem;
  font-weight: 600;
  letter-spacing: .05em;
  text-transform: uppercase;
}
.captcha__logo svg { width: 28px; height: 28px; color: var(--orange); }

#submitBtn:disabled { opacity: .5; cursor: not-allowed; }
#submitBtn:disabled:hover { transform: none; box-shadow: none; }

/* ===========================
   FOOTER
   =========================== */
.footer {
  background: #0a0a0a;
  color: rgba(255,255,255,.5);
}

.footer__inner {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 60px;
  padding: 64px 24px;
}

.footer__logo { align-items: flex-start; }
.footer__logo .nav__logo-img { width: 48px; }
.footer__logo .nav__logo-text { font-size: .78rem; }

.footer__hash {
  color: var(--orange);
  font-weight: 600;
  font-size: .9rem;
  margin-top: 12px;
}

.footer__links h4,
.footer__contact h4 {
  color: var(--white);
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  margin-bottom: 20px;
}
.footer__links ul li { margin-bottom: 10px; }
.footer__links ul li a {
  font-size: .9rem;
  transition: color var(--transition);
}
.footer__links ul li a:hover { color: var(--orange); }

.footer__contact a {
  display: block;
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--orange);
  margin-bottom: 8px;
  transition: opacity var(--transition);
}
.footer__contact a:hover { opacity: .8; }
.footer__contact p { font-size: .9rem; }

.footer__bottom {
  border-top: 1px solid rgba(255,255,255,.06);
  padding: 20px 24px;
  text-align: center;
  font-size: .82rem;
}

/* ===========================
   RESPONSIVE
   =========================== */
@media (max-width: 1024px) {
  .about__grid { grid-template-columns: 1fr; gap: 48px; }
  .about__visual { order: 2; }
  .about__content { order: 1; }
  .about__image-wrap { height: 300px; }
  .why__grid { grid-template-columns: repeat(2, 1fr); }
  .footer__inner { grid-template-columns: 1fr 1fr; }
  .footer__brand { grid-column: 1 / -1; }
}

@media (max-width: 768px) {
  .section { padding: 72px 0; }

  .nav__links {
    position: fixed;
    top: 0; right: -100%;
    width: 280px; height: 100vh;
    background: var(--black);
    flex-direction: column;
    align-items: flex-start;
    padding: 100px 32px 40px;
    gap: 24px;
    transition: right var(--transition);
    box-shadow: -8px 0 32px rgba(0,0,0,.4);
  }
  .nav__links.open { right: 0; }
  .nav__link { font-size: 1rem; }
  .nav__toggle { display: flex; }

  .hero__logo-bg { width: 320px; right: -40px; opacity: .05; }

  .stats__grid { grid-template-columns: repeat(2, 1fr); }
  .stat:nth-child(2) { border-right: none; }
  .stat { border-bottom: 1px solid rgba(255,255,255,.15); }
  .stat:nth-child(3), .stat:nth-child(4) { border-bottom: none; }
  .stat__number { color: var(--white); }
  .stat__label  { color: rgba(255,255,255,.75); }

  .services__grid { grid-template-columns: 1fr; }
  .services__grid .service-card:nth-child(7) { grid-column: auto; }
  .service-card--featured { grid-template-columns: 1fr; }
  .service-card--featured .service-card__icon { grid-row: auto; }

  .why__grid { grid-template-columns: 1fr; }
  .contact__grid { grid-template-columns: 1fr; gap: 48px; }

  .hero__actions { flex-direction: column; }
  .hero__actions .btn { width: 100%; justify-content: center; }

  .footer__inner { grid-template-columns: 1fr; gap: 40px; }
}

@media (max-width: 480px) {
  .contact__form { padding: 28px 20px; }
}

/* ===========================
   PAGE LOADER
   =========================== */
.loader {
  position: fixed;
  inset: 0;
  background: var(--black);
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: opacity .5s ease, visibility .5s ease;
}
.loader--done {
  opacity: 0;
  visibility: hidden;
}
.loader__inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 28px;
}
.loader__logo {
  width: 72px;
  animation: loaderPulse 1s ease-in-out infinite alternate;
}
@keyframes loaderPulse {
  from { opacity: .6; transform: scale(.95); }
  to   { opacity: 1;  transform: scale(1);   }
}
.loader__bar {
  width: 160px;
  height: 3px;
  background: rgba(255,255,255,.1);
  border-radius: 99px;
  overflow: hidden;
}
.loader__fill {
  height: 100%;
  background: var(--orange);
  border-radius: 99px;
  animation: loaderFill .6s ease forwards;
}
@keyframes loaderFill {
  from { width: 0; }
  to   { width: 100%; }
}

/* ===========================
   FAQ
   =========================== */
.faq { background: var(--white); }

.faq__intro {
  text-align: center;
  color: var(--gray-3);
  max-width: 520px;
  margin: 0 auto 56px;
}

.faq__list {
  max-width: 780px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq__item {
  border: 1.5px solid var(--gray-1);
  border-radius: var(--radius);
  overflow: hidden;
  transition: border-color var(--transition), box-shadow var(--transition);
}
.faq__item--open {
  border-color: var(--orange);
  box-shadow: 0 4px 20px rgba(232,119,34,.12);
}

.faq__question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 22px 24px;
  background: none;
  border: none;
  cursor: pointer;
  font-family: inherit;
  font-size: 1rem;
  font-weight: 600;
  color: var(--black);
  text-align: left;
  transition: background var(--transition), color var(--transition);
}
.faq__question:hover { background: var(--off-white); }
.faq__item--open .faq__question {
  background: var(--black);
  color: var(--white);
}

.faq__icon {
  flex-shrink: 0;
  width: 28px; height: 28px;
  border-radius: 50%;
  border: 2px solid var(--gray-1);
  position: relative;
  transition: all var(--transition);
}
/* plus → minus via pseudo-elements */
.faq__icon::before,
.faq__icon::after {
  content: '';
  position: absolute;
  top: 50%; left: 50%;
  background: var(--gray-3);
  border-radius: 2px;
  transition: all var(--transition);
}
.faq__icon::before {
  width: 12px; height: 2px;
  transform: translate(-50%, -50%);
}
.faq__icon::after {
  width: 2px; height: 12px;
  transform: translate(-50%, -50%);
}
/* Open state: border orange, bar becomes minus (hide vertical) */
.faq__item--open .faq__icon {
  border-color: var(--orange);
  background: var(--orange);
}
.faq__item--open .faq__icon::before,
.faq__item--open .faq__icon::after { background: var(--white); }
.faq__item--open .faq__icon::after { transform: translate(-50%, -50%) rotate(90deg); opacity: 0; }

.faq__answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height .4s ease;
}
.faq__answer p {
  padding: 0 24px 24px;
  font-size: .95rem;
  color: var(--gray-3);
  line-height: 1.75;
}
.faq__answer p em { color: var(--orange); font-style: normal; font-weight: 600; }

.faq__cta {
  text-align: center;
  margin-top: 56px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
}
.faq__cta p {
  font-size: 1.05rem;
  color: var(--gray-3);
}

/* ===========================
   STICKY MOBILE CALL BAR
   =========================== */
.mobile-cta {
  display: none; /* shown only on mobile via media query */
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 200;
  grid-template-columns: 1fr 1fr;
  box-shadow: 0 -4px 24px rgba(0,0,0,.25);
  transition: transform .3s ease;
}
.mobile-cta--hidden {
  transform: translateY(100%);
}
.mobile-cta__call {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 18px 12px;
  background: var(--orange);
  color: var(--white);
  font-size: .95rem;
  font-weight: 700;
  transition: background var(--transition);
}
.mobile-cta__call:hover { background: var(--orange-2); }
.mobile-cta__call svg { width: 18px; height: 18px; }
.mobile-cta__quote {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 18px 12px;
  background: var(--black);
  color: var(--white);
  font-size: .95rem;
  font-weight: 700;
  border-left: 1px solid rgba(255,255,255,.1);
  transition: background var(--transition);
}
.mobile-cta__quote:hover { background: var(--black-3); }

@media (max-width: 768px) {
  .mobile-cta { display: grid; }
  /* Give body breathing room so footer isn't hidden behind the bar */
  body { padding-bottom: 62px; }
}

@media (max-width: 480px) {
  .faq__question { font-size: .92rem; padding: 18px 16px; }
  .faq__answer p { padding: 0 16px 20px; }
}