/* ============================================================
   meiguobaoxian.com — Global Styles
   Color Palette: Deep Navy Blue + Gold (Professional)
   ============================================================ */

:root {
    --navy:       #0d1b4b;
    --navy-mid:   #1a2f6b;
    --navy-light: #2a4a9b;
    --gold:       #c8a94a;
    --gold-light: #e8c96a;
    --gold-pale:  #f5e9c0;
    --blue-accent:#3d7dd8;
    --sky:        #e8f0fb;
    --white:      #ffffff;
    --gray-bg:    #f4f6fb;
    --gray-mid:   #d0d7e8;
    --gray-text:  #6b7a99;
    --dark-text:  #0d1b4b;
    --body-text:  #2c3557;
    --red-alert:  #c0392b;
    --green-ok:   #1a7a4a;

    --shadow-sm:  0 2px 12px rgba(13,27,75,0.08);
    --shadow-md:  0 6px 28px rgba(13,27,75,0.14);
    --shadow-lg:  0 16px 56px rgba(13,27,75,0.18);
    --radius-sm:  6px;
    --radius-md:  12px;
    --radius-lg:  20px;
    --transition: all 0.3s cubic-bezier(0.4,0,0.2,1);

    --font-cn: 'PingFang SC','Microsoft YaHei','Noto Sans SC',sans-serif;
    --font-en: 'Segoe UI','Helvetica Neue',Arial,sans-serif;
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
    font-family: var(--font-cn);
    color: var(--body-text);
    background: var(--gray-bg);
    line-height: 1.7;
    overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

/* ── Container ── */
.container { max-width: 1280px; margin: 0 auto; padding: 0 24px; }
.container-sm { max-width: 960px; margin: 0 auto; padding: 0 24px; }

/* ============================================================
   HEADER / NAV
   ============================================================ */
#header {
    position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
    background: rgba(13,27,75,0.97);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid rgba(200,169,74,0.25);
    transition: var(--transition);
}
#header.scrolled {
    background: rgba(13,27,75,0.99);
    box-shadow: 0 4px 24px rgba(0,0,0,0.3);
}
.nav-inner {
    display: flex; align-items: center; justify-content: space-between;
    height: 72px;
}
.logo a { display: flex; align-items: center; gap: 10px; }
.logo-icon {
    width: 42px; height: 42px;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    border-radius: 10px;
    display: flex; align-items: center; justify-content: center;
    font-size: 22px; font-weight: 900; color: var(--navy);
    letter-spacing: -1px;
}
.logo-text-wrap { display: flex; flex-direction: column; }
.logo-name {
    font-size: 1.15rem; font-weight: 700;
    color: var(--white); line-height: 1.1;
}
.logo-sub {
    font-size: 0.68rem; color: var(--gold-light);
    letter-spacing: 0.5px;
}

/* Nav Menu */
.nav-menu { display: flex; align-items: center; gap: 4px; }
.nav-item { position: relative; }
.nav-link {
    display: flex; align-items: center; gap: 4px;
    padding: 8px 14px; border-radius: var(--radius-sm);
    font-size: 0.875rem; font-weight: 500; color: rgba(255,255,255,0.88);
    transition: var(--transition);
}
.nav-link:hover, .nav-link.active {
    color: var(--gold-light);
    background: rgba(200,169,74,0.12);
}
.nav-link .arrow {
    font-size: 0.6rem; transition: transform 0.25s;
}
.nav-item:hover .arrow { transform: rotate(180deg); }

/* Dropdown */
.dropdown {
    position: absolute; top: 100%; left: 50%;
    transform: translateX(-50%) translateY(-4px);
    background: var(--white); border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    min-width: 200px;
    padding: 16px 0 8px;   /* top padding bridges the gap so hover doesn't break */
    opacity: 0; visibility: hidden; pointer-events: none;
    transition: opacity 0.22s, transform 0.22s, visibility 0.22s;
    border: 1px solid var(--gray-mid);
}
.dropdown::before {
    content: ''; position: absolute; top: 8px; left: 50%;
    transform: translateX(-50%);
    border: 6px solid transparent;
    border-bottom-color: var(--white);
    border-top: none;
}
.nav-item:hover .dropdown {
    opacity: 1; visibility: visible; pointer-events: auto;
    transform: translateX(-50%) translateY(0);
}
.dropdown a {
    display: block; padding: 10px 20px;
    font-size: 0.875rem; color: var(--dark-text);
    transition: var(--transition);
}
.dropdown a:hover {
    background: var(--sky); color: var(--navy-light);
    padding-left: 28px;
}

/* Nav CTA */
.nav-cta {
    display: flex; align-items: center; gap: 10px;
}
.btn-nav-call {
    display: flex; align-items: center; gap: 6px;
    padding: 8px 16px; border-radius: 50px;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    color: var(--navy); font-size: 0.85rem; font-weight: 700;
    transition: var(--transition);
}
.btn-nav-call:hover { transform: translateY(-1px); box-shadow: 0 4px 16px rgba(200,169,74,0.4); }

/* Hamburger */
.hamburger { display: none; flex-direction: column; gap: 5px; padding: 6px; }
.hamburger span {
    width: 24px; height: 2px;
    background: var(--white); border-radius: 2px;
    transition: var(--transition);
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
    position: relative; min-height: 680px;
    display: flex; align-items: center;
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 50%, var(--navy-light) 100%);
    overflow: hidden; padding-top: 72px;
}
.hero-bg-pattern {
    position: absolute; inset: 0; opacity: 0.06;
    background-image:
        radial-gradient(circle at 20% 50%, var(--gold) 0%, transparent 40%),
        radial-gradient(circle at 80% 20%, var(--blue-accent) 0%, transparent 40%);
}
.hero-grid-overlay {
    position: absolute; inset: 0; opacity: 0.04;
    background-image: linear-gradient(var(--white) 1px, transparent 1px),
                      linear-gradient(90deg, var(--white) 1px, transparent 1px);
    background-size: 60px 60px;
}
.hero-content {
    position: relative; z-index: 2;
    display: grid; grid-template-columns: 1fr 1fr;
    gap: 64px; align-items: center;
    padding: 80px 0;
}
.hero-badge {
    display: inline-flex; align-items: center; gap: 8px;
    background: rgba(200,169,74,0.2); border: 1px solid rgba(200,169,74,0.4);
    border-radius: 50px; padding: 6px 16px;
    font-size: 0.8rem; color: var(--gold-light); font-weight: 600;
    margin-bottom: 24px; letter-spacing: 0.5px;
}
.hero-title {
    font-size: clamp(2.2rem, 4vw, 3.2rem);
    font-weight: 900; color: var(--white);
    line-height: 1.2; margin-bottom: 8px;
}
.hero-title .highlight {
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    -webkit-background-clip: text; -webkit-text-fill-color: transparent;
    background-clip: text;
}
.hero-subtitle {
    font-size: 1.1rem; color: rgba(255,255,255,0.75);
    margin-bottom: 32px; line-height: 1.8;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-stats {
    display: grid; grid-template-columns: repeat(3,1fr);
    gap: 16px; margin-top: 40px;
}
.stat-item {
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.12);
    border-radius: var(--radius-md); padding: 16px;
    text-align: center;
}
.stat-num {
    font-size: 1.8rem; font-weight: 800;
    color: var(--gold-light); display: block;
}
.stat-label { font-size: 0.78rem; color: rgba(255,255,255,0.65); }

/* Hero Right Panel */
.hero-panel {
    background: rgba(255,255,255,0.07);
    backdrop-filter: blur(16px);
    border: 1px solid rgba(255,255,255,0.12);
    border-radius: var(--radius-lg); padding: 32px;
}
.hero-panel-title {
    font-size: 1rem; font-weight: 700;
    color: var(--gold-light); margin-bottom: 20px;
    display: flex; align-items: center; gap: 8px;
}
.quick-insurance-grid {
    display: grid; grid-template-columns: repeat(2,1fr); gap: 10px;
}
.qi-card {
    background: rgba(255,255,255,0.08);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: var(--radius-md); padding: 14px 12px;
    display: flex; align-items: center; gap: 10px;
    transition: var(--transition);
    cursor: pointer;
}
.qi-card:hover {
    background: rgba(200,169,74,0.2);
    border-color: rgba(200,169,74,0.4);
    transform: translateX(4px);
}
.qi-icon { font-size: 1.5rem; }
.qi-text { font-size: 0.85rem; color: rgba(255,255,255,0.9); font-weight: 600; }

/* ============================================================
   BUTTONS
   ============================================================ */
.btn-primary {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 14px 28px; border-radius: 50px;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    color: var(--navy); font-size: 0.95rem; font-weight: 700;
    transition: var(--transition); letter-spacing: 0.3px;
}
.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 28px rgba(200,169,74,0.45);
}
.btn-outline {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 14px 28px; border-radius: 50px;
    border: 2px solid rgba(255,255,255,0.4);
    color: var(--white); font-size: 0.95rem; font-weight: 600;
    transition: var(--transition);
}
.btn-outline:hover {
    border-color: var(--gold); color: var(--gold-light);
    transform: translateY(-2px);
}
.btn-blue {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 12px 24px; border-radius: 50px;
    background: var(--navy-light); color: var(--white);
    font-size: 0.9rem; font-weight: 600; transition: var(--transition);
}
.btn-blue:hover {
    background: var(--navy-mid); transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

/* ============================================================
   SECTION COMMONS
   ============================================================ */
.section { padding: 80px 0; }
.section-alt { background: var(--white); }
.section-navy {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
    color: var(--white);
}
.section-header { text-align: center; margin-bottom: 52px; }
.section-tag {
    display: inline-flex; align-items: center; gap: 6px;
    background: var(--sky); color: var(--navy-light);
    border: 1px solid var(--gray-mid); border-radius: 50px;
    padding: 5px 16px; font-size: 0.78rem; font-weight: 700;
    letter-spacing: 0.5px; margin-bottom: 16px;
}
.section-navy .section-tag {
    background: rgba(200,169,74,0.15);
    border-color: rgba(200,169,74,0.3);
    color: var(--gold-light);
}
.section-title {
    font-size: clamp(1.7rem, 3vw, 2.4rem);
    font-weight: 800; color: var(--dark-text);
    line-height: 1.2; margin-bottom: 14px;
}
.section-navy .section-title { color: var(--white); }
.section-desc {
    font-size: 1rem; color: var(--gray-text);
    max-width: 600px; margin: 0 auto;
}
.section-navy .section-desc { color: rgba(255,255,255,0.7); }
.gold-line {
    width: 60px; height: 3px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
    border-radius: 2px; margin: 16px auto 0;
}

/* ============================================================
   INSURANCE CARDS (Category Grid)
   ============================================================ */
.insurance-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}
.ins-card {
    background: var(--white); border-radius: var(--radius-lg);
    border: 1px solid var(--gray-mid);
    padding: 28px 24px; transition: var(--transition);
    position: relative; overflow: hidden;
    cursor: pointer;
}
.ins-card::before {
    content: ''; position: absolute; top: 0; left: 0; right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--navy-light), var(--blue-accent));
    transform: scaleX(0); transform-origin: left;
    transition: transform 0.35s ease;
}
.ins-card:hover::before { transform: scaleX(1); }
.ins-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: var(--navy-light);
}
.ins-icon {
    width: 60px; height: 60px; border-radius: var(--radius-md);
    background: linear-gradient(135deg, var(--sky), #d4e4f8);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.8rem; margin-bottom: 16px;
    transition: var(--transition);
}
.ins-card:hover .ins-icon {
    background: linear-gradient(135deg, var(--navy-light), var(--blue-accent));
}
.ins-title {
    font-size: 1.05rem; font-weight: 700;
    color: var(--dark-text); margin-bottom: 8px;
}
.ins-desc {
    font-size: 0.85rem; color: var(--gray-text);
    line-height: 1.6; margin-bottom: 16px;
}
.ins-link {
    display: inline-flex; align-items: center; gap: 4px;
    font-size: 0.85rem; color: var(--navy-light); font-weight: 600;
    transition: var(--transition);
}
.ins-link:hover { gap: 8px; color: var(--gold); }

/* ============================================================
   AI TOOLS SECTION
   ============================================================ */
.ai-tools-grid {
    display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px;
}
.ai-card {
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.12);
    border-radius: var(--radius-lg); padding: 32px 28px;
    position: relative; overflow: hidden;
    transition: var(--transition);
}
.ai-card::after {
    content: ''; position: absolute; inset: 0;
    background: linear-gradient(135deg, transparent 60%, rgba(200,169,74,0.06));
    pointer-events: none;
}
.ai-card:hover {
    border-color: rgba(200,169,74,0.35);
    transform: translateY(-4px);
    box-shadow: 0 12px 40px rgba(0,0,0,0.3);
}
.ai-badge {
    display: inline-block; padding: 3px 12px; border-radius: 50px;
    font-size: 0.72rem; font-weight: 700; letter-spacing: 1px;
    margin-bottom: 16px;
}
.ai-badge.available { background: rgba(26,122,74,0.2); color: #4caf7d; }
.ai-badge.soon { background: rgba(200,169,74,0.2); color: var(--gold-light); }
.ai-icon-wrap {
    width: 56px; height: 56px; border-radius: var(--radius-md);
    background: linear-gradient(135deg, var(--navy-light), var(--blue-accent));
    display: flex; align-items: center; justify-content: center;
    font-size: 1.6rem; margin-bottom: 18px;
}
.ai-title {
    font-size: 1.1rem; font-weight: 700;
    color: var(--white); margin-bottom: 10px;
}
.ai-desc {
    font-size: 0.875rem; color: rgba(255,255,255,0.65);
    line-height: 1.7; margin-bottom: 20px;
}
.ai-placeholder {
    background: rgba(255,255,255,0.04);
    border: 1px dashed rgba(200,169,74,0.3);
    border-radius: var(--radius-md); padding: 16px;
    text-align: center;
}
.ai-placeholder-text {
    font-size: 0.8rem; color: var(--gold-light); opacity: 0.8;
}

/* ============================================================
   COMPANY DIRECTORY
   ============================================================ */
.company-tabs {
    display: flex; gap: 8px; flex-wrap: wrap;
    justify-content: center; margin-bottom: 36px;
}
.tab-btn {
    padding: 8px 20px; border-radius: 50px;
    border: 1px solid var(--gray-mid);
    font-size: 0.85rem; color: var(--gray-text);
    background: var(--white); transition: var(--transition);
    cursor: pointer;
}
.tab-btn.active, .tab-btn:hover {
    background: var(--navy-light); color: var(--white);
    border-color: var(--navy-light);
}
.company-grid {
    display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px;
}
.company-card {
    background: var(--white); border-radius: var(--radius-md);
    border: 1px solid var(--gray-mid); padding: 24px;
    transition: var(--transition); text-align: center;
}
.company-card:hover {
    border-color: var(--navy-light);
    box-shadow: var(--shadow-md);
    transform: translateY(-3px);
}
.company-logo-box {
    width: 72px; height: 72px; border-radius: var(--radius-md);
    background: linear-gradient(135deg, var(--sky), #d4e4f8);
    display: flex; align-items: center; justify-content: center;
    font-size: 2rem; margin: 0 auto 14px;
}
.company-name { font-size: 0.95rem; font-weight: 700; color: var(--dark-text); margin-bottom: 4px; }
.company-type { font-size: 0.78rem; color: var(--gray-text); margin-bottom: 12px; }
.company-tag {
    display: inline-block; padding: 2px 10px; border-radius: 50px;
    background: var(--sky); color: var(--navy-light);
    font-size: 0.72rem; font-weight: 600;
}

/* ============================================================
   NEWS SECTION
   ============================================================ */
.news-grid {
    display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 28px;
}
.news-card {
    background: var(--white); border-radius: var(--radius-md);
    border: 1px solid var(--gray-mid); overflow: hidden;
    transition: var(--transition);
}
.news-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.news-img {
    width: 100%; height: 200px; object-fit: cover;
    background: linear-gradient(135deg, var(--sky), #d4e4f8);
    display: flex; align-items: center; justify-content: center;
    font-size: 3rem; color: var(--navy-light);
}
.news-card-large .news-img { height: 260px; }
.news-body { padding: 20px; }
.news-cat {
    display: inline-block; padding: 2px 10px; border-radius: 50px;
    background: var(--sky); color: var(--navy-light);
    font-size: 0.72rem; font-weight: 700; margin-bottom: 10px;
}
.news-title {
    font-size: 1rem; font-weight: 700; color: var(--dark-text);
    margin-bottom: 8px; line-height: 1.4;
}
.news-card-large .news-title { font-size: 1.25rem; }
.news-excerpt { font-size: 0.85rem; color: var(--gray-text); line-height: 1.6; margin-bottom: 14px; }
.news-meta { font-size: 0.78rem; color: var(--gray-text); display: flex; gap: 12px; }

/* ============================================================
   WARNING / TRAP SECTION
   ============================================================ */
.trap-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.trap-card {
    background: var(--white); border-radius: var(--radius-md);
    border-left: 4px solid var(--red-alert);
    padding: 24px; transition: var(--transition);
}
.trap-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.trap-num {
    width: 36px; height: 36px; border-radius: 50%;
    background: #fdecea; color: var(--red-alert);
    display: flex; align-items: center; justify-content: center;
    font-size: 1rem; font-weight: 800; margin-bottom: 14px;
}
.trap-title { font-size: 1rem; font-weight: 700; color: var(--dark-text); margin-bottom: 8px; }
.trap-desc { font-size: 0.85rem; color: var(--gray-text); line-height: 1.6; }

/* ============================================================
   REGULATION / BENEFIT / JOBS CARDS
   ============================================================ */
.reg-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.reg-card {
    background: var(--white); border-radius: var(--radius-md);
    border: 1px solid var(--gray-mid); padding: 28px;
    transition: var(--transition);
}
.reg-card:hover { border-color: var(--navy-light); box-shadow: var(--shadow-md); }
.reg-icon {
    font-size: 2rem; margin-bottom: 14px;
}
.reg-title { font-size: 1rem; font-weight: 700; color: var(--dark-text); margin-bottom: 8px; }
.reg-desc { font-size: 0.85rem; color: var(--gray-text); line-height: 1.6; }

/* ============================================================
   STATS BANNER
   ============================================================ */
.stats-banner {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
    padding: 60px 0;
}
.stats-row {
    display: grid; grid-template-columns: repeat(4,1fr);
    gap: 32px; text-align: center;
}
.stat-big-num {
    font-size: 2.8rem; font-weight: 900;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    -webkit-background-clip: text; -webkit-text-fill-color: transparent;
    background-clip: text; display: block; line-height: 1;
    margin-bottom: 8px;
}
.stat-big-label { font-size: 0.9rem; color: rgba(255,255,255,0.7); }

/* ============================================================
   CONTACT STRIP
   ============================================================ */
.contact-strip {
    background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
    padding: 48px 0;
}
.contact-strip-inner {
    display: flex; align-items: center; justify-content: space-between; gap: 32px;
}
.contact-strip-text h2 {
    font-size: 1.7rem; font-weight: 800;
    color: var(--navy); margin-bottom: 6px;
}
.contact-strip-text p { font-size: 1rem; color: rgba(13,27,75,0.75); }
.contact-strip-actions { display: flex; gap: 16px; flex-wrap: wrap; }
.btn-navy {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 14px 28px; border-radius: 50px;
    background: var(--navy); color: var(--white);
    font-size: 0.95rem; font-weight: 700; transition: var(--transition);
}
.btn-navy:hover {
    background: var(--navy-mid); transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(13,27,75,0.4);
}

/* ============================================================
   FOOTER
   ============================================================ */
footer {
    background: var(--navy);
    border-top: 1px solid rgba(200,169,74,0.2);
    padding: 64px 0 0;
}
.footer-grid {
    display: grid; grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
    gap: 40px; margin-bottom: 48px;
}
.footer-brand .logo-name { font-size: 1.1rem; margin-bottom: 12px; color: var(--white); }
.footer-brand-desc {
    font-size: 0.85rem; color: rgba(255,255,255,0.55);
    line-height: 1.8; margin-bottom: 20px;
}
.footer-contact-info { display: flex; flex-direction: column; gap: 8px; }
.footer-contact-item {
    display: flex; align-items: center; gap: 8px;
    font-size: 0.85rem; color: rgba(255,255,255,0.7);
}
.footer-contact-item a { color: var(--gold-light); transition: var(--transition); }
.footer-contact-item a:hover { color: var(--white); }
.footer-col h4 {
    font-size: 0.9rem; font-weight: 700; color: var(--gold-light);
    margin-bottom: 16px; letter-spacing: 0.5px;
    padding-bottom: 8px;
    border-bottom: 1px solid rgba(200,169,74,0.2);
}
.footer-col ul { display: flex; flex-direction: column; gap: 8px; }
.footer-col ul li a {
    font-size: 0.85rem; color: rgba(255,255,255,0.6);
    transition: var(--transition); display: flex; align-items: center; gap: 6px;
}
.footer-col ul li a:hover { color: var(--gold-light); padding-left: 6px; }
.footer-col ul li a::before {
    content: '›'; color: var(--gold); opacity: 0.6; font-size: 1rem;
}
.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.08);
    padding: 20px 0;
    display: flex; align-items: center; justify-content: space-between; gap: 16px;
}
.footer-copy { font-size: 0.8rem; color: rgba(255,255,255,0.4); }
.footer-partner {
    font-size: 0.8rem; color: rgba(255,255,255,0.5);
    text-align: right;
}
.footer-partner a { color: var(--gold-light); }
.footer-partner a:hover { color: var(--white); }

/* ============================================================
   PAGE HERO (inner pages)
   ============================================================ */
.page-hero {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
    padding: 130px 0 70px;
    position: relative; overflow: hidden;
}
.page-hero::before {
    content: ''; position: absolute; inset: 0;
    background: radial-gradient(ellipse at 80% 50%, rgba(61,125,216,0.2), transparent 60%);
}
.page-hero-inner { position: relative; z-index: 1; }
.breadcrumb {
    display: flex; align-items: center; gap: 8px;
    font-size: 0.82rem; color: rgba(255,255,255,0.55);
    margin-bottom: 16px;
}
.breadcrumb a { color: rgba(255,255,255,0.6); }
.breadcrumb a:hover { color: var(--gold-light); }
.breadcrumb span { color: rgba(255,255,255,0.3); }
.page-hero-title {
    font-size: clamp(1.8rem, 3.5vw, 2.8rem);
    font-weight: 800; color: var(--white);
    margin-bottom: 14px;
}
.page-hero-desc { font-size: 1rem; color: rgba(255,255,255,0.7); max-width: 600px; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1100px) {
    .insurance-grid { grid-template-columns: repeat(3, 1fr); }
    .footer-grid { grid-template-columns: 1fr 1fr 1fr; }
    .footer-brand { grid-column: span 3; }
}

@media (max-width: 900px) {
    .hero-content { grid-template-columns: 1fr; gap: 40px; }
    .hero-panel { display: none; }
    .hero-stats { grid-template-columns: repeat(3,1fr); }
    .insurance-grid { grid-template-columns: repeat(2, 1fr); }
    .ai-tools-grid { grid-template-columns: 1fr 1fr; }
    .news-grid { grid-template-columns: 1fr; }
    .company-grid { grid-template-columns: repeat(2, 1fr); }
    .trap-grid { grid-template-columns: 1fr 1fr; }
    .stats-row { grid-template-columns: repeat(2, 1fr); }
    .contact-strip-inner { flex-direction: column; text-align: center; }
    .footer-grid { grid-template-columns: 1fr 1fr; }
    .footer-brand { grid-column: span 2; }
    .footer-bottom { flex-direction: column; text-align: center; }
    .nav-menu { display: none; }
    .hamburger { display: flex; }
}

@media (max-width: 600px) {
    .section { padding: 56px 0; }
    .insurance-grid { grid-template-columns: 1fr 1fr; }
    .ai-tools-grid { grid-template-columns: 1fr; }
    .trap-grid { grid-template-columns: 1fr; }
    .reg-grid { grid-template-columns: 1fr; }
    .company-grid { grid-template-columns: 1fr 1fr; }
    .stats-row { grid-template-columns: 1fr 1fr; }
    .footer-grid { grid-template-columns: 1fr; }
    .footer-brand { grid-column: span 1; }
    .hero-stats { grid-template-columns: 1fr; }
}

/* ============================================================
   MOBILE NAV OPEN
   ============================================================ */
body.nav-open .nav-menu {
    display: flex; flex-direction: column;
    position: fixed; top: 72px; left: 0; right: 0; bottom: 0;
    background: var(--navy); padding: 24px;
    overflow-y: auto; z-index: 999;
    gap: 4px;
}
body.nav-open .nav-link { font-size: 1rem; padding: 14px 16px; }
body.nav-open .dropdown {
    position: static; transform: none; opacity: 1;
    visibility: visible; pointer-events: auto;
    box-shadow: none; border: none;
    background: rgba(255,255,255,0.04);
    border-radius: var(--radius-md);
    padding: 4px 0;
}
body.nav-open .dropdown a { color: rgba(255,255,255,0.75); }
body.nav-open .dropdown a:hover { background: rgba(255,255,255,0.06); }

/* ============================================================
   UTILITIES
   ============================================================ */
.text-gold { color: var(--gold); }
.text-center { text-align: center; }
.mt-8 { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-40 { margin-top: 40px; }
.mb-8 { margin-bottom: 8px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.hidden { display: none; }
.view-all {
    text-align: center; margin-top: 40px;
}