/* ─── TOKENS ─────────────────────────────────────────────── */
:root {
  --navy:        #0d1e3c;
  --navy-mid:    #162847;
  --navy-light:  #1e3a5f;
  --gold:        #c9a84c;
  --gold-light:  #e2c675;
  --gold-dark:   #a07830;
  --white:       #ffffff;
  --off-white:   #f4f6f9;
  --gray-100:    #eef1f6;
  --gray-200:    #dde2ec;
  --gray-500:    #7a8499;
  --text:        #0d1e3c;
  --text-mid:    #4a5568;
  --radius:      10px;
  --radius-lg:   18px;
  --shadow:      0 4px 24px rgba(13,30,60,0.10);
  --shadow-lg:   0 12px 48px rgba(13,30,60,0.18);
  --transition:  0.25s ease;
}

/* ─── RESET ─────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'Inter', sans-serif; color: var(--text); background: var(--white); line-height: 1.6; -webkit-font-smoothing: antialiased; }
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
em { font-family: 'DM Serif Display', serif; font-style: italic; }

/* ─── LAYOUT ────────────────────────────────────────────── */
.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
.section    { padding: 96px 0; }
.section-alt { background: var(--off-white); }

/* ─── BUTTONS ───────────────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 13px 28px; border-radius: var(--radius);
  font-size: 15px; font-weight: 600; letter-spacing: 0.01em;
  cursor: pointer; border: 2px solid transparent;
  transition: all var(--transition); white-space: nowrap;
}
.btn-gold {
  background: var(--gold); color: var(--navy); border-color: var(--gold);
}
.btn-gold:hover { background: var(--gold-light); border-color: var(--gold-light); }
.btn-outline-white {
  background: transparent; color: var(--white); border-color: rgba(255,255,255,0.5);
}
.btn-outline-white:hover { background: rgba(255,255,255,0.1); border-color: var(--white); }
.btn-navy {
  background: var(--navy); color: var(--white); border-color: var(--navy);
}
.btn-navy:hover { background: var(--navy-light); border-color: var(--navy-light); }
.btn-outline-navy {
  background: transparent; color: var(--navy); border-color: var(--navy);
}
.btn-outline-navy:hover { background: var(--navy); color: var(--white); }
.btn-lg { padding: 16px 36px; font-size: 16px; border-radius: 12px; }
.btn-sm { padding: 9px 20px; font-size: 14px; }
.btn-full { width: 100%; justify-content: center; }

/* ─── LABELS ────────────────────────────────────────────── */
.label-tag {
  display: inline-block;
  font-size: 11px; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--gold);
  margin-bottom: 16px;
}

/* ─── NAVBAR ────────────────────────────────────────────── */
.navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: var(--navy);
  border-bottom: 1px solid rgba(255,255,255,0.08);
  transition: box-shadow var(--transition);
}
.navbar.scrolled { box-shadow: 0 2px 20px rgba(13,30,60,0.4); }
.nav-container {
  max-width: 1160px; margin: 0 auto; padding: 0 24px;
  display: flex; align-items: center; gap: 40px; height: 68px;
}
.nav-logo {
  font-size: 17px; font-weight: 700; color: var(--white);
  flex-shrink: 0; letter-spacing: -0.01em;
}
.nav-logo em { color: var(--gold); font-style: italic; }
.nav-links { display: flex; align-items: center; gap: 6px; margin-left: auto; }
.nav-links a {
  font-size: 14px; font-weight: 500; color: rgba(255,255,255,0.75);
  padding: 8px 14px; border-radius: 8px; transition: all var(--transition);
}
.nav-links a:hover { color: var(--white); background: rgba(255,255,255,0.08); }
.nav-links .nav-link-subtle { color: rgba(255,255,255,0.45); font-size: 13px; }
.nav-links .nav-link-subtle:hover { color: rgba(255,255,255,0.75); background: none; }
.nav-cta {
  background: var(--gold) !important; color: var(--navy) !important;
  font-weight: 700 !important; padding: 9px 20px !important; border-radius: 8px !important;
}
.nav-cta:hover { background: var(--gold-light) !important; }
.nav-cta-ghost {
  border: 1.5px solid rgba(201,168,76,0.45) !important;
  color: var(--gold) !important; border-radius: 8px !important;
}
.nav-cta-ghost:hover { border-color: var(--gold) !important; background: rgba(201,168,76,0.08) !important; }

.nav-toggle { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 4px; }
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--white); border-radius: 2px; transition: all 0.3s; }
.nav-toggle.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.nav-toggle.active span:nth-child(2) { opacity: 0; }

/* ─── HERO ──────────────────────────────────────────────── */
.hero {
  position: relative; min-height: 100vh;
  display: flex; align-items: center;
  background: var(--navy); overflow: hidden;
  padding-top: 68px;
}
.hero-bg-gradient {
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 60% 70% at 75% 50%, rgba(30,58,95,0.6) 0%, transparent 70%),
    radial-gradient(ellipse 40% 50% at 5% 85%, rgba(201,168,76,0.07) 0%, transparent 55%),
    linear-gradient(135deg, #0d1e3c 0%, #162847 55%, #1e3a5f 100%);
}
.hero-photo-side {
  position: absolute; right: 0; top: 0; bottom: 0; width: 50%;
  overflow: hidden;
}
.hero-photo-side img { width: 100%; height: 100%; object-fit: cover; object-position: center top; opacity: 0.3; }
.hero-photo-side::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(to right, var(--navy) 0%, rgba(13,30,60,0.2) 50%, transparent 100%),
              linear-gradient(to top, var(--navy) 0%, transparent 25%);
}
.hero-photo-placeholder {
  position: absolute; right: 0; top: 0; bottom: 0; width: 50%;
  background: linear-gradient(135deg, rgba(22,40,71,0.4), rgba(30,58,95,0.3));
}
.hero-photo-placeholder::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(circle at 55% 40%, rgba(201,168,76,0.1) 0%, transparent 55%);
}
.hero-inner {
  position: relative; z-index: 2; width: 100%;
  max-width: 1160px; margin: 0 auto; padding: 80px 24px;
}
.hero-content { max-width: 560px; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(201,168,76,0.12); border: 1px solid rgba(201,168,76,0.28);
  color: var(--gold-light); font-size: 12px; font-weight: 600;
  letter-spacing: 0.08em; text-transform: uppercase;
  padding: 7px 16px; border-radius: 999px; margin-bottom: 28px;
}
.hero-badge::before { content: ''; width: 6px; height: 6px; border-radius: 50%; background: var(--gold); flex-shrink: 0; }
.hero-title {
  font-size: clamp(40px, 5.5vw, 66px); color: var(--white);
  font-weight: 800; letter-spacing: -0.03em; line-height: 1.08; margin-bottom: 24px;
}
.hero-title em { color: var(--gold); display: block; }
.hero-sub {
  font-size: 17px; color: rgba(255,255,255,0.68); line-height: 1.72;
  margin-bottom: 40px; max-width: 460px;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 48px; }
.hero-trust { display: flex; flex-direction: column; gap: 12px; }
.trust-item { display: flex; align-items: center; gap: 10px; color: rgba(255,255,255,0.72); font-size: 14px; }
.trust-check {
  width: 22px; height: 22px; border-radius: 50%;
  background: rgba(201,168,76,0.18); border: 1.5px solid rgba(201,168,76,0.38);
  color: var(--gold); font-size: 11px; font-weight: 700;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}

/* ─── MARQUEE ───────────────────────────────────────────── */
.marquee-strip { background: var(--gold); padding: 14px 0; overflow: hidden; }
.marquee-track { display: flex; width: max-content; animation: marquee 32s linear infinite; }
.marquee-track span {
  display: inline-flex; align-items: center;
  font-size: 12px; font-weight: 800; letter-spacing: 0.09em;
  text-transform: uppercase; color: var(--navy); white-space: nowrap; padding: 0 28px;
}
.marquee-track span::after { content: '◆'; font-size: 7px; opacity: 0.45; margin-left: 28px; }
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ─── CLAIMS BANNER ─────────────────────────────────────── */
.claims-banner {
  background: var(--navy-mid);
  border-top: 1px solid rgba(255,255,255,0.06);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  padding: 44px 0;
}
.claims-inner {
  max-width: 1160px; margin: 0 auto; padding: 0 24px;
  display: flex; align-items: center; gap: 48px; flex-wrap: wrap;
}
.claims-left { display: flex; align-items: center; gap: 14px; flex-shrink: 0; }
.claims-dollar { font-size: 52px; font-weight: 800; color: var(--gold); line-height: 1; font-family: 'DM Serif Display', serif; }
.claims-amount { font-size: 34px; font-weight: 800; color: var(--white); line-height: 1; letter-spacing: -0.02em; }
.claims-label { font-size: 13px; color: rgba(255,255,255,0.5); margin-top: 5px; }
.claims-divider { width: 1px; height: 60px; background: rgba(255,255,255,0.1); flex-shrink: 0; }
.claims-right { flex: 1; min-width: 240px; }
.claims-right p { font-size: 15px; color: rgba(255,255,255,0.75); margin-bottom: 7px; }
.claims-right strong { color: var(--gold-light); }
.claims-source { font-size: 12px; color: rgba(255,255,255,0.3); margin-top: 8px; margin-bottom: 0 !important; }

/* ─── PARTNER LOGOS ─────────────────────────────────────── */
.logos-strip { background: var(--white); border-bottom: 1px solid var(--gray-200); padding: 32px 0; }
.logos-inner { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
.logos-label { text-align: center; font-size: 11px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gray-500); margin-bottom: 24px; }
.logos-track-wrap { overflow: hidden; }
.logos-track { display: flex; align-items: center; gap: 64px; width: max-content; animation: marquee 22s linear infinite; }
.logos-track img { height: 34px; width: auto; object-fit: contain; filter: grayscale(100%) opacity(0.4); transition: filter 0.3s; }
.logos-track img:hover { filter: grayscale(0%) opacity(1); }

/* ─── SECTION HEADER ─────────────────────────────────────── */
.section-head { text-align: center; max-width: 640px; margin: 0 auto 64px; }
.section-title { font-size: clamp(28px, 3.5vw, 42px); font-weight: 800; letter-spacing: -0.02em; line-height: 1.15; }
.section-title em { color: var(--gold-dark); }
.section-sub { font-size: 16px; color: var(--text-mid); margin-top: 16px; line-height: 1.7; }

/* ─── PRODUCT CARDS ─────────────────────────────────────── */
.product-category {
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg); overflow: hidden; margin-bottom: 28px;
  box-shadow: var(--shadow); transition: box-shadow var(--transition);
}
.product-category:hover { box-shadow: var(--shadow-lg); }
.product-cat-header {
  display: flex; align-items: center; gap: 20px; padding: 28px 32px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  flex-wrap: wrap;
}
.product-cat-icon {
  width: 52px; height: 52px; border-radius: 12px;
  background: rgba(201,168,76,0.18); border: 1.5px solid rgba(201,168,76,0.3);
  display: flex; align-items: center; justify-content: center;
  color: var(--gold); flex-shrink: 0;
}
.product-cat-icon svg { width: 24px; height: 24px; }
.product-cat-header > div:nth-child(2) { flex: 1; min-width: 0; }
.product-cat-header h3 { font-size: 20px; color: var(--white); margin-bottom: 4px; }
.product-cat-header p { font-size: 14px; color: rgba(255,255,255,0.55); }
.product-sub-grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.product-sub-card { padding: 28px 32px; border-right: 1px solid var(--gray-200); border-top: 1px solid var(--gray-200); }
.product-sub-card:last-child { border-right: none; }
.product-sub-card h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
.product-sub-card p { font-size: 14px; color: var(--text-mid); line-height: 1.65; }

/* ─── HOW IT WORKS ──────────────────────────────────────── */
.steps-grid {
  display: flex; align-items: stretch;
  background: var(--white); border-radius: var(--radius-lg);
  border: 1px solid var(--gray-200); overflow: hidden; box-shadow: var(--shadow);
}
.step { flex: 1; padding: 40px 32px; border-right: 1px solid var(--gray-200); }
.step:last-child { border-right: none; }
.step-num {
  font-size: 12px; font-weight: 800; letter-spacing: 0.1em; color: var(--gold);
  margin-bottom: 16px; display: flex; align-items: center; gap: 8px;
}
.step-num::after { content: ''; flex: 1; height: 2px; background: linear-gradient(to right, rgba(201,168,76,0.25), transparent); }
.step h3 { font-size: 18px; color: var(--navy); margin-bottom: 10px; }
.step p { font-size: 14px; color: var(--text-mid); line-height: 1.65; }

/* ─── SPLIT LAYOUT ───────────────────────────────────────── */
.split { display: grid; grid-template-columns: 340px 1fr; gap: 72px; align-items: start; }
.split-label { position: sticky; top: 100px; }
.split-content p { font-size: 16px; color: var(--text-mid); line-height: 1.8; margin-bottom: 20px; }
.split-content p:last-of-type { margin-bottom: 0; }
.partners-block { margin-top: 32px; }
.partners-label { font-size: 11px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gray-500); margin-bottom: 14px; }
.partners-logos { display: flex; flex-wrap: wrap; gap: 16px; align-items: center; }
.partners-logos img { height: 30px; width: auto; object-fit: contain; filter: grayscale(100%) opacity(0.35); }

/* ─── STATS BAR ─────────────────────────────────────────── */
.stats-section { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%); padding: 64px 0; }
.stats-row { display: flex; align-items: center; flex-wrap: wrap; }
.stat-item { flex: 1; min-width: 160px; text-align: center; padding: 24px 16px; display: flex; flex-direction: column; gap: 6px; }
.stat-num { font-size: 40px; font-weight: 800; color: var(--gold); font-family: 'DM Serif Display', serif; letter-spacing: -0.02em; line-height: 1; }
.stat-desc { font-size: 13px; color: rgba(255,255,255,0.55); font-weight: 500; }
.stat-divider { width: 1px; height: 60px; background: rgba(255,255,255,0.1); flex-shrink: 0; }

/* ─── AGENT ──────────────────────────────────────────────── */
.agent-photo { border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 4/5; background: var(--gray-100); border: 1px solid var(--gray-200); box-shadow: var(--shadow-lg); }
.agent-photo img { width: 100%; height: 100%; object-fit: cover; }
.agent-social { margin-top: 24px; }
.social-link { display: inline-flex; align-items: center; gap: 8px; font-size: 14px; font-weight: 600; color: var(--navy); padding: 9px 18px; border: 1.5px solid var(--gray-200); border-radius: 8px; transition: all var(--transition); }
.social-link:hover { border-color: var(--navy); background: var(--navy); color: var(--white); }

/* ─── CONTACT FORM ──────────────────────────────────────── */
.contact-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: start; }
.contact-left { position: sticky; top: 100px; }
.contact-left .section-title { font-size: 32px; }
.contact-left > p { font-size: 16px; color: var(--text-mid); line-height: 1.7; margin: 16px 0 32px; }
.contact-trust { display: flex; flex-direction: column; gap: 12px; }
.contact-trust .trust-item { color: var(--text-mid); font-size: 14px; }
.contact-trust .trust-check { background: rgba(13,30,60,0.07); border-color: rgba(13,30,60,0.18); color: var(--navy); }
.contact-form { background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius-lg); padding: 40px; box-shadow: var(--shadow-lg); }

/* ─── FORM ELEMENTS ─────────────────────────────────────── */
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { display: flex; flex-direction: column; gap: 6px; margin-bottom: 20px; }
.form-group label { font-size: 13px; font-weight: 600; color: var(--text); }
.form-group input, .form-group select, .form-group textarea {
  padding: 11px 14px; border: 1.5px solid var(--gray-200);
  border-radius: var(--radius); font-size: 14px; font-family: inherit;
  color: var(--text); background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition); outline: none;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(13,30,60,0.07); }
.form-group textarea { resize: vertical; }
.req { color: var(--gold-dark); }
.radio-group { display: flex; flex-direction: column; gap: 10px; margin-top: 4px; }
.radio-option { display: flex; align-items: center; gap: 10px; cursor: pointer; font-size: 14px; color: var(--text-mid); }
.radio-option input { display: none; }
.radio-mark { width: 18px; height: 18px; border-radius: 50%; border: 2px solid var(--gray-200); flex-shrink: 0; transition: all var(--transition); background: var(--white); }
.radio-option input:checked ~ .radio-mark { border-color: var(--navy); background: var(--navy); box-shadow: inset 0 0 0 4px var(--white); }
.input-prefix { position: relative; }
.input-prefix .prefix { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); font-size: 14px; color: var(--text-mid); pointer-events: none; }
.input-prefix input { padding-left: 28px; }
.file-upload { border: 2px dashed var(--gray-200); border-radius: var(--radius); padding: 28px; text-align: center; cursor: pointer; transition: all var(--transition); }
.file-upload:hover, .file-upload.dragover { border-color: var(--navy); background: rgba(13,30,60,0.03); }
.file-upload-icon { font-size: 22px; display: block; margin-bottom: 8px; color: var(--gray-500); }
.file-upload-content p { font-size: 14px; color: var(--text-mid); }
.file-upload-hint { font-size: 12px; color: var(--gray-500); }
.file-name { font-size: 13px; color: var(--navy); margin-top: 8px; font-weight: 500; }
.form-submit { margin-top: 8px; }
.form-disclaimer { font-size: 12px; color: var(--gray-500); margin-top: 12px; line-height: 1.6; text-align: center; }
.form-success { display: flex; flex-direction: column; align-items: center; text-align: center; gap: 16px; padding: 48px 32px; }
.success-icon { width: 64px; height: 64px; border-radius: 50%; background: linear-gradient(135deg, var(--navy), var(--navy-light)); color: var(--gold); font-size: 28px; font-weight: 700; display: flex; align-items: center; justify-content: center; }
.form-success h2, .form-success h3 { font-size: 24px; color: var(--navy); }
.form-success p { font-size: 15px; color: var(--text-mid); max-width: 360px; }

/* ─── APPLY PAGE ─────────────────────────────────────────── */
.page-hero { background: var(--navy); padding: 140px 0 80px; }
.page-hero-title { font-size: clamp(36px, 4.5vw, 54px); color: var(--white); font-weight: 800; letter-spacing: -0.02em; margin-bottom: 16px; }
.page-hero-title em { color: var(--gold); }
.page-hero-sub { font-size: 17px; color: rgba(255,255,255,0.62); max-width: 480px; line-height: 1.7; }
.apply-hero-split { display: grid; grid-template-columns: 1fr 320px; gap: 60px; align-items: center; }
.photo-card { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); }
.photo-card-tall { aspect-ratio: 3/4; background: var(--navy-light); }
.photo-card-tall img { width: 100%; height: 100%; object-fit: cover; }
.apply-form-wrapper { max-width: 760px; margin: 0 auto; background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius-lg); padding: 48px; box-shadow: var(--shadow-lg); }
.apply-form .form-submit { margin-top: 24px; }

/* ─── FOOTER ─────────────────────────────────────────────── */
.footer { background: var(--navy); border-top: 1px solid rgba(255,255,255,0.08); padding: 56px 0 40px; }
.footer-inner { display: flex; gap: 60px; align-items: flex-start; flex-wrap: wrap; }
.footer-left { flex: 1; min-width: 260px; }
.footer-left .nav-logo { margin-bottom: 14px; display: block; }
.footer-legal { font-size: 12px; color: rgba(255,255,255,0.32); line-height: 1.7; max-width: 360px; }
.footer-right { flex-shrink: 0; display: flex; flex-direction: column; align-items: flex-end; gap: 20px; }
.footer-links { display: flex; gap: 4px; flex-wrap: wrap; justify-content: flex-end; }
.footer-links a { font-size: 13px; color: rgba(255,255,255,0.45); padding: 6px 12px; border-radius: 6px; transition: color var(--transition); }
.footer-links a:hover { color: var(--white); }
.footer-copy { font-size: 12px; color: rgba(255,255,255,0.22); }

/* ─── SCROLL REVEAL ─────────────────────────────────────── */
.reveal { opacity: 0; transform: translateY(22px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal.visible { opacity: 1; transform: none; }

/* ─── SCROLL HINT ───────────────────────────────────────── */
.hero-scroll-hint { position: absolute; bottom: 32px; left: 50%; transform: translateX(-50%); z-index: 2; }
.scroll-dot { width: 6px; height: 6px; border-radius: 50%; background: rgba(255,255,255,0.28); animation: scrollBounce 2s ease-in-out infinite; }
@keyframes scrollBounce { 0%,100%{transform:translateY(0);opacity:.28} 50%{transform:translateY(8px);opacity:.9} }

/* ─── RESPONSIVE ─────────────────────────────────────────── */
@media (max-width: 900px) {
  .split { grid-template-columns: 1fr; gap: 40px; }
  .split-label { position: static; }
  .contact-layout { grid-template-columns: 1fr; gap: 48px; }
  .contact-left { position: static; }
  .apply-hero-split { grid-template-columns: 1fr; }
  .apply-hero-photo { display: none; }
  .steps-grid { flex-direction: column; }
  .step { border-right: none; border-bottom: 1px solid var(--gray-200); }
  .step:last-child { border-bottom: none; }
  .product-sub-grid { grid-template-columns: 1fr; }
  .product-sub-card { border-right: none; }
  .hero-photo-side, .hero-photo-placeholder { display: none; }
  .footer-inner { flex-direction: column; gap: 32px; }
  .footer-right { align-items: flex-start; }
  .footer-links { justify-content: flex-start; }
}
@media (max-width: 640px) {
  .section { padding: 64px 0; }
  .nav-links { display: none; flex-direction: column; position: fixed; top: 68px; left: 0; right: 0; background: var(--navy); padding: 16px; border-bottom: 1px solid rgba(255,255,255,0.08); gap: 4px; }
  .nav-links.active { display: flex; }
  .nav-toggle { display: flex; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { text-align: center; justify-content: center; }
  .form-row { grid-template-columns: 1fr; }
  .stats-row { flex-direction: column; }
  .stat-divider { width: 80px; height: 1px; }
  .claims-inner { flex-direction: column; gap: 24px; }
  .claims-divider { width: 60px; height: 1px; }
  .apply-form-wrapper { padding: 24px 20px; }
  .contact-form { padding: 28px 20px; }
  .product-cat-header .btn-sm { display: none; }
}