/*
Theme Name: incurancenter
Theme URI: https://incurancenter.co.il/
Author: incurancenter Team
Author URI: https://incurancenter.co.il/
Description: תבנית פרמיום לאתר תדמית מוביל בתחום ביטוח חיות מחמד, ביטוח כללי ופיננסים. עיצוב תאגידי יוקרתי, חם ואמין עם ביצועים מהירים, רספונסיביות מלאה ונגישות WCAG.
Version: 1.0.0
License: GNU General Public License v2 or later
License URI: http://www.gnu.org/licenses/gpl-2.0.html
Text Domain: incurancenter
Tags: pet-insurance, insurance, finance, corporate, business, modern, responsive, accessibility, rtl
*/

@import url('https://fonts.googleapis.com/css2?family=Assistant:wght@300;400;600;700;800&family=Heebo:wght@400;500;700;800;900&display=swap');

:root {
  --primary: #0284C7;         /* Energetic Cyan/Blue */
  --primary-hover: #0369A1;
  --secondary: #0F2942;       /* Deep Corporate Navy */
  --accent: #F59E0B;          /* Warm Gold Security */
  --accent-light: #FEF3C7;
  --teal: #0D9488;            /* Caring Veterinary Teal */
  --dark: #0F172A;            /* Slate Black */
  --text-main: #1E293B;       /* Deep Charcoal Text */
  --text-muted: #64748B;
  --bg-main: #F8FAFC;         /* Crisp Slate Canvas */
  --bg-card: #FFFFFF;
  --border-light: #E2E8F0;
  --shadow-sm: 0 2px 6px rgba(15, 41, 66, 0.05);
  --shadow-md: 0 10px 25px rgba(15, 41, 66, 0.08);
  --shadow-lg: 0 18px 40px rgba(15, 41, 66, 0.12);
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 24px;
  --radius-full: 9999px;
  --font-heading: 'Heebo', sans-serif;
  --font-body: 'Assistant', sans-serif;
}

*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

body {
  font-family: var(--font-body);
  background-color: var(--bg-main);
  color: var(--text-main);
  direction: rtl;
  text-align: right;
  line-height: 1.65;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
}

a {
  color: inherit;
  text-decoration: none;
  transition: all 0.2s ease;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

.container {
  width: 100%;
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 20px;
}

/* TOP NOTIFICATION BAR */
.top-bar {
  background: var(--secondary);
  color: #E2E8F0;
  font-size: 13px;
  padding: 8px 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.top-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 10px;
}
.top-bar-notice {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 600;
  color: #38BDF8;
}
.top-bar-phone {
  display: flex;
  align-items: center;
  gap: 6px;
  font-weight: 700;
  color: #FFFFFF;
}

/* SITE HEADER */
.site-header {
  background: #FFFFFF;
  box-shadow: var(--shadow-sm);
  position: sticky;
  top: 0;
  z-index: 990;
  border-bottom: 2px solid var(--border-light);
}
.header-main {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
  gap: 20px;
}
.site-logo {
  display: flex;
  align-items: center;
  gap: 12px;
}
.logo-icon {
  width: 46px;
  height: 46px;
  background: linear-gradient(135deg, var(--secondary) 0%, var(--primary) 100%);
  color: #fff;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  box-shadow: 0 4px 12px rgba(2, 132, 199, 0.3);
}
.logo-text {
  font-family: var(--font-heading);
  font-size: 28px;
  font-weight: 900;
  color: var(--secondary);
  letter-spacing: -0.5px;
  line-height: 1.1;
}
.logo-text span {
  color: var(--primary);
}
.logo-tagline {
  font-size: 12px;
  color: var(--text-muted);
  font-weight: 600;
}

/* NAVIGATION */
.main-nav {
  display: flex;
  align-items: center;
}
.nav-menu {
  list-style: none;
  display: flex;
  gap: 22px;
  align-items: center;
}
.nav-menu li a {
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 15px;
  color: var(--secondary);
  padding: 6px 4px;
  position: relative;
}
.nav-menu li a:hover,
.nav-menu li.current-menu-item > a {
  color: var(--primary);
}
.nav-menu li a::after {
  content: '';
  position: absolute;
  bottom: 0;
  right: 0;
  width: 0;
  height: 2px;
  background: var(--primary);
  transition: width 0.2s ease;
}
.nav-menu li a:hover::after,
.nav-menu li.current-menu-item > a::after {
  width: 100%;
}

.header-cta-btn {
  background: linear-gradient(135deg, var(--primary) 0%, #0369A1 100%);
  color: #fff;
  padding: 10px 22px;
  border-radius: var(--radius-full);
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 14px;
  box-shadow: 0 4px 12px rgba(2, 132, 199, 0.35);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.header-cta-btn:hover {
  background: linear-gradient(135deg, #0369A1 0%, #075985 100%);
  transform: translateY(-1px);
}

.mobile-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 26px;
  color: var(--secondary);
  cursor: pointer;
}

/* HERO SECTION - CORPORATE PET INSURTECH */
.corporate-hero {
  position: relative;
  background: linear-gradient(135deg, #0F2942 0%, #1E3A8A 50%, #0F172A 100%);
  color: #fff;
  padding: 60px 0 80px;
  overflow: hidden;
  margin-bottom: 50px;
}
.corporate-hero::before {
  content: '';
  position: absolute;
  top: 0; right: 0; bottom: 0; left: 0;
  background: radial-gradient(circle at 80% 20%, rgba(2, 132, 199, 0.25) 0%, transparent 60%);
  pointer-events: none;
}
.hero-split {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 40px;
  align-items: center;
  position: relative;
  z-index: 2;
}
.hero-text-wrap {
  display: flex;
  flex-direction: column;
}
.hero-trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(2, 132, 199, 0.2);
  border: 1px solid rgba(56, 189, 248, 0.4);
  color: #7DD3FC;
  padding: 6px 16px;
  border-radius: var(--radius-full);
  font-size: 13px;
  font-weight: 700;
  margin-bottom: 20px;
  align-self: flex-start;
}
.hero-title {
  font-family: var(--font-heading);
  font-size: 44px;
  font-weight: 900;
  line-height: 1.2;
  margin-bottom: 20px;
  letter-spacing: -0.5px;
}
.hero-title span {
  background: linear-gradient(90deg, #38BDF8, #FBBF24);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}
.hero-description {
  font-size: 18px;
  color: #E2E8F0;
  line-height: 1.6;
  margin-bottom: 26px;
}
.hero-points-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 30px;
}
.hero-points-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 16px;
  font-weight: 600;
  color: #F8FAFC;
}
.hero-check-icon {
  width: 24px;
  height: 24px;
  border-radius: var(--radius-full);
  background: #0284C7;
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  flex-shrink: 0;
}

/* HERO LEAD FORM / CALCULATOR CARD */
.hero-form-card {
  background: #FFFFFF;
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: 0 20px 45px rgba(0,0,0,0.3);
  color: var(--text-main);
  border: 1px solid rgba(255,255,255,0.2);
}
.hero-form-card h3 {
  font-family: var(--font-heading);
  font-size: 22px;
  font-weight: 800;
  color: var(--secondary);
  margin-bottom: 8px;
}
.hero-form-card p {
  font-size: 14px;
  color: var(--text-muted);
  margin-bottom: 20px;
}
.calc-field-group {
  margin-bottom: 16px;
}
.calc-label {
  display: block;
  font-size: 13px;
  font-weight: 700;
  color: var(--secondary);
  margin-bottom: 6px;
}
.calc-select, .calc-input {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 15px;
  outline: none;
  background: #F8FAFC;
  transition: border-color 0.2s;
}
.calc-select:focus, .calc-input:focus {
  border-color: var(--primary);
  background: #fff;
}
.calc-submit-btn {
  width: 100%;
  background: linear-gradient(135deg, var(--primary) 0%, #0369A1 100%);
  color: #fff;
  border: none;
  padding: 14px 20px;
  border-radius: var(--radius-sm);
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 16px;
  cursor: pointer;
  transition: all 0.2s;
  box-shadow: 0 4px 12px rgba(2, 132, 199, 0.35);
  margin-top: 8px;
}
.calc-submit-btn:hover {
  background: linear-gradient(135deg, #0369A1 0%, #075985 100%);
  transform: translateY(-2px);
}

/* SECTION TITLES & LAYOUTS */
.section-title-wrap {
  text-align: center;
  max-width: 780px;
  margin: 0 auto 40px;
}
.section-badge {
  display: inline-block;
  background: #E0F2FE;
  color: var(--primary);
  font-size: 13px;
  font-weight: 800;
  padding: 4px 14px;
  border-radius: var(--radius-full);
  margin-bottom: 10px;
}
.section-heading-h2 {
  font-family: var(--font-heading);
  font-size: 34px;
  font-weight: 900;
  color: var(--secondary);
  line-height: 1.25;
  margin-bottom: 12px;
}
.section-subtext {
  font-size: 17px;
  color: var(--text-muted);
}

/* VALUE PILLARS (4 CARDS) */
.pillars-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
  margin-bottom: 60px;
}
.pillar-card {
  background: var(--bg-card);
  border-radius: var(--radius-md);
  padding: 28px 24px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border-light);
  transition: transform 0.25s, box-shadow 0.25s, border-color 0.25s;
  position: relative;
  overflow: hidden;
}
.pillar-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
  border-color: var(--primary);
}
.pillar-icon-box {
  width: 58px;
  height: 58px;
  border-radius: var(--radius-md);
  background: #E0F2FE;
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 28px;
  margin-bottom: 18px;
}
.pillar-title {
  font-family: var(--font-heading);
  font-size: 20px;
  font-weight: 800;
  color: var(--secondary);
  margin-bottom: 10px;
}
.pillar-desc {
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.6;
}

/* VISUAL SHOWCASE SPLIT (FEATURE / CLINIC CARE) */
.showcase-split-section {
  background: #FFFFFF;
  border-radius: var(--radius-lg);
  padding: 44px;
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-sm);
  margin-bottom: 60px;
}
.showcase-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: center;
}
.showcase-media {
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  position: relative;
  aspect-ratio: 16/10;
}
.showcase-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.showcase-content h3 {
  font-family: var(--font-heading);
  font-size: 28px;
  font-weight: 900;
  color: var(--secondary);
  margin-bottom: 16px;
  line-height: 1.3;
}
.showcase-content p {
  font-size: 16px;
  color: #475569;
  line-height: 1.7;
  margin-bottom: 20px;
}

/* COVERAGE GRID (6 ITEMS) */
.coverage-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(340px, 1fr));
  gap: 24px;
  margin-bottom: 60px;
}
.coverage-item {
  background: var(--bg-card);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 24px;
  box-shadow: var(--shadow-sm);
  transition: all 0.2s ease;
  display: flex;
  gap: 16px;
}
.coverage-item:hover {
  transform: translateY(-3px);
  border-color: #38BDF8;
  box-shadow: var(--shadow-md);
}
.cov-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background: #F0FDF4;
  color: #16A34A;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  flex-shrink: 0;
}
.cov-info h4 {
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 800;
  color: var(--secondary);
  margin-bottom: 6px;
}
.cov-info p {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.5;
}

/* COMPARISON TIERS TABLE */
.pricing-tiers-section {
  margin-bottom: 60px;
}
.tiers-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 26px;
}
.tier-card {
  background: #FFFFFF;
  border-radius: var(--radius-lg);
  border: 2px solid var(--border-light);
  padding: 34px 28px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  position: relative;
  transition: transform 0.25s, box-shadow 0.25s;
}
.tier-card.featured {
  border-color: var(--primary);
  box-shadow: var(--shadow-lg);
  transform: scale(1.03);
}
.tier-badge {
  position: absolute;
  top: -14px;
  right: 24px;
  background: var(--primary);
  color: #fff;
  font-size: 12px;
  font-weight: 800;
  padding: 4px 14px;
  border-radius: var(--radius-full);
}
.tier-header {
  border-bottom: 1px solid var(--border-light);
  padding-bottom: 20px;
  margin-bottom: 20px;
  text-align: center;
}
.tier-title {
  font-family: var(--font-heading);
  font-size: 24px;
  font-weight: 900;
  color: var(--secondary);
  margin-bottom: 6px;
}
.tier-price {
  font-family: var(--font-heading);
  font-size: 36px;
  font-weight: 900;
  color: var(--primary);
  margin: 10px 0 4px;
}
.tier-price span {
  font-size: 16px;
  font-weight: 600;
  color: var(--text-muted);
}
.tier-features {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 30px;
  flex: 1;
}
.tier-features li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 15px;
  color: #334155;
}
.tier-features li span.check {
  color: #16A34A;
  font-weight: 800;
}
.tier-btn {
  background: var(--secondary);
  color: #fff;
  text-align: center;
  padding: 13px 20px;
  border-radius: var(--radius-md);
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 15px;
  transition: all 0.2s;
}
.tier-card.featured .tier-btn {
  background: var(--primary);
  box-shadow: 0 4px 12px rgba(2, 132, 199, 0.35);
}
.tier-btn:hover {
  opacity: 0.9;
  transform: translateY(-2px);
}

/* FAQ ACCORDION SECTION */
.faq-section {
  background: #FFFFFF;
  border-radius: var(--radius-lg);
  padding: 46px 40px;
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-sm);
  margin-bottom: 60px;
}
.faq-accordion {
  display: flex;
  flex-direction: column;
  gap: 14px;
  max-width: 900px;
  margin: 0 auto;
}
.faq-item {
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: border-color 0.2s;
}
.faq-item.active {
  border-color: var(--primary);
}
.faq-question {
  background: #F8FAFC;
  padding: 18px 22px;
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 17px;
  color: var(--secondary);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  user-select: none;
  transition: background 0.2s;
}
.faq-question:hover {
  background: #F1F5F9;
}
.faq-toggle-icon {
  font-size: 20px;
  color: var(--primary);
  font-weight: 700;
  transition: transform 0.25s ease;
}
.faq-item.active .faq-toggle-icon {
  transform: rotate(45deg);
}
.faq-answer {
  display: none;
  padding: 20px 22px;
  font-size: 16px;
  color: #334155;
  line-height: 1.7;
  background: #FFFFFF;
  border-top: 1px solid var(--border-light);
}
.faq-item.active .faq-answer {
  display: block;
  animation: faqOpen 0.25s ease-out;
}
@keyframes faqOpen {
  from { opacity: 0; transform: translateY(-6px); }
  to { opacity: 1; transform: translateY(0); }
}

/* RECENT ARTICLES SECTION AT HOMEPAGE BOTTOM */
.recent-articles-homepage {
  margin-bottom: 60px;
}
.home-articles-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(340px, 1fr));
  gap: 26px;
}
.home-article-card {
  background: #FFFFFF;
  border-radius: var(--radius-md);
  overflow: hidden;
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  transition: transform 0.25s, box-shadow 0.25s;
}
.home-article-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-md);
  border-color: #38BDF8;
}
.home-article-thumb {
  aspect-ratio: 16/10;
  overflow: hidden;
  background: #0F2942;
}
.home-article-thumb img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.3s ease;
}
.home-article-card:hover .home-article-thumb img {
  transform: scale(1.05);
}
.home-article-body {
  padding: 22px;
  display: flex;
  flex-direction: column;
  flex: 1;
}
.home-article-cat {
  font-size: 12px;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 8px;
}
.home-article-title {
  font-family: var(--font-heading);
  font-size: 20px;
  font-weight: 800;
  color: var(--secondary);
  line-height: 1.35;
  margin-bottom: 10px;
}
.home-article-title a:hover {
  color: var(--primary);
}
.home-article-excerpt {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.6;
  margin-bottom: 16px;
  flex: 1;
}
.home-article-link {
  font-family: var(--font-heading);
  font-size: 14px;
  font-weight: 800;
  color: var(--primary);
  display: inline-flex;
  align-items: center;
  gap: 4px;
  margin-top: auto;
}
.home-article-link:hover {
  color: var(--primary-hover);
  text-decoration: underline;
}

/* SINGLE POST 2-COLUMN LAYOUT & SIDEBAR (NO DATES!) */
.single-layout-grid {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 32px;
  align-items: start;
  margin: 30px auto 50px;
}
.single-main-column {
  min-width: 0;
}
.single-post-wrapper {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border-light);
}
.single-sidebar {
  position: sticky;
  top: 90px;
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.recent-posts-widget {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 24px;
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-sm);
}
.recent-posts-widget .widget-title {
  font-family: var(--font-heading);
  font-size: 19px;
  font-weight: 800;
  color: var(--secondary);
  margin-bottom: 18px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--border-light);
  position: relative;
  display: flex;
  align-items: center;
  gap: 8px;
}
.recent-posts-widget .widget-title::after {
  content: '';
  position: absolute;
  bottom: -2px;
  right: 0;
  width: 45px;
  height: 2px;
  background: var(--primary);
}
.recent-posts-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.recent-post-item {
  display: flex;
  gap: 14px;
  align-items: center;
  transition: transform 0.2s ease;
  text-decoration: none;
  color: inherit;
}
.recent-post-item:hover {
  transform: translateX(-4px);
}
.recent-post-thumb {
  width: 75px;
  height: 65px;
  border-radius: var(--radius-sm);
  overflow: hidden;
  flex-shrink: 0;
  background: #0F2942;
}
.recent-post-thumb img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.3s ease;
}
.recent-post-item:hover .recent-post-thumb img {
  transform: scale(1.08);
}
.recent-post-info {
  display: flex;
  flex-direction: column;
  gap: 4px;
  min-width: 0;
}
.recent-post-cat {
  font-size: 11px;
  font-weight: 800;
  color: var(--primary);
}
.recent-post-title {
  font-family: var(--font-heading);
  font-size: 14px;
  font-weight: 700;
  color: var(--secondary);
  line-height: 1.35;
  display: -webkit-box;
  -webkit-line-clamp: 2;
  -webkit-box-orient: vertical;
  overflow: hidden;
}
.recent-post-item:hover .recent-post-title {
  color: var(--primary);
}

.single-header {
  margin-bottom: 24px;
  border-bottom: 1px solid var(--border-light);
  padding-bottom: 20px;
}
.single-category-badge {
  display: inline-block;
  background: #E0F2FE;
  color: var(--primary);
  font-size: 12px;
  font-weight: 800;
  padding: 4px 12px;
  border-radius: var(--radius-full);
  margin-bottom: 12px;
}
.single-title {
  font-family: var(--font-heading);
  font-size: 36px;
  font-weight: 900;
  color: var(--secondary);
  line-height: 1.25;
  margin-bottom: 16px;
}
.single-meta {
  display: flex;
  align-items: center;
  gap: 16px;
  font-size: 14px;
  color: var(--text-muted);
}
.single-featured-image {
  border-radius: var(--radius-md);
  overflow: hidden;
  margin-bottom: 30px;
  box-shadow: var(--shadow-md);
}

/* MANDATORY RULE: ALL LINKS IN POST BODY MUST BE BLUE AND UNDERLINED */
.entry-content {
  font-size: 18px;
  line-height: 1.8;
  color: #1E293B;
}
.entry-content p {
  margin-bottom: 20px;
}
.entry-content h2, .entry-content h3 {
  font-family: var(--font-heading);
  color: var(--secondary);
  margin: 30px 0 14px;
  font-weight: 800;
}
.entry-content ul, .entry-content ol {
  margin: 0 24px 20px 0;
}
.entry-content li {
  margin-bottom: 8px;
}

.entry-content a {
  color: #0066cc !important;
  text-decoration: underline !important;
  font-weight: 700 !important;
  transition: color 0.15s ease;
}
.entry-content a:hover {
  color: #004499 !important;
}

/* INSURANCE BENEFIT CALLOUT BOX IN POST */
.insurance-benefit-box {
  background: #F0FDF4;
  border: 1px solid #BBF7D0;
  border-right: 4px solid #16A34A;
  padding: 20px;
  border-radius: var(--radius-md);
  margin: 26px 0;
}
.insurance-benefit-box h4 {
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 800;
  color: #15803D;
  margin-bottom: 8px;
}
.insurance-benefit-box ul {
  list-style: none;
  margin: 0;
  padding: 0;
  font-size: 15px;
  color: #166534;
}
.insurance-benefit-box li {
  margin-bottom: 6px;
}

/* FOOTER (3 COLUMNS + BOTTOM LINE WITH 6 MANDATORY LINKS) */
.site-footer {
  background: var(--secondary);
  color: #94A3B8;
  margin-top: 60px;
  border-top: 4px solid var(--primary);
  font-size: 14px;
}
.footer-top {
  padding: 60px 0 40px;
}
.footer-grid-3col {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 40px;
}
.footer-col h4 {
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 800;
  color: #FFFFFF;
  margin-bottom: 20px;
  position: relative;
  padding-bottom: 8px;
}
.footer-col h4::after {
  content: '';
  position: absolute;
  bottom: 0;
  right: 0;
  width: 36px;
  height: 2px;
  background: var(--primary);
}
.footer-about p {
  line-height: 1.7;
  margin-bottom: 16px;
  color: #CBD5E1;
}
.footer-links-list {
  list-style: none;
}
.footer-links-list li {
  margin-bottom: 10px;
}
.footer-links-list li a {
  color: #CBD5E1;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.footer-links-list li a:hover {
  color: #FFFFFF;
  transform: translateX(-4px);
}

/* FOOTER BOTTOM BAR (6 MANDATORY LINKS) */
.footer-bottom {
  background: #0A1929;
  padding: 22px 0;
  border-top: 1px solid rgba(255,255,255,0.08);
  font-size: 13px;
}
.footer-bottom .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 14px;
}
.footer-mandatory-links {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  align-items: center;
}
.footer-mandatory-links a {
  color: #CBD5E1;
  text-decoration: none;
  transition: color 0.2s;
}
.footer-mandatory-links a:hover {
  color: #FFFFFF;
  text-decoration: underline;
}
.footer-copy {
  color: #64748B;
}

/* ACCESSIBILITY TOOLBAR (WCAG) */
.acc-floating-btn {
  position: fixed;
  bottom: 24px;
  left: 24px;
  z-index: 99999;
  width: 52px;
  height: 52px;
  border-radius: var(--radius-full);
  background: var(--primary);
  color: #fff;
  border: 2px solid #fff;
  box-shadow: 0 4px 16px rgba(0,0,0,0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  cursor: pointer;
  transition: transform 0.2s, background 0.2s;
}
.acc-floating-btn:hover {
  transform: scale(1.1);
  background: var(--primary-hover);
}
.acc-drawer {
  position: fixed;
  bottom: 86px;
  left: 24px;
  z-index: 99999;
  width: 320px;
  background: #fff;
  border-radius: var(--radius-md);
  box-shadow: 0 10px 30px rgba(0,0,0,0.25);
  border: 1px solid var(--border-light);
  padding: 20px;
  display: none;
  direction: rtl;
  text-align: right;
}
.acc-drawer.active {
  display: block;
  animation: accFadeIn 0.2s ease-out;
}
@keyframes accFadeIn {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}
.acc-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  border-bottom: 1px solid var(--border-light);
  padding-bottom: 10px;
  margin-bottom: 14px;
}
.acc-title {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 17px;
  color: var(--secondary);
}
.acc-close {
  background: none;
  border: none;
  font-size: 20px;
  cursor: pointer;
  color: var(--text-muted);
}
.acc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}
.acc-btn {
  background: #F1F5F9;
  border: 1px solid var(--border-light);
  padding: 10px 8px;
  border-radius: var(--radius-sm);
  font-size: 13px;
  font-weight: 600;
  color: var(--secondary);
  cursor: pointer;
  text-align: center;
  transition: all 0.2s;
}
.acc-btn:hover, .acc-btn.active {
  background: var(--primary);
  color: #fff;
  border-color: var(--primary);
}
.acc-btn-reset {
  grid-column: span 2;
  background: #E2E8F0;
  color: var(--secondary);
  margin-top: 6px;
}

/* ACCESSIBILITY CLASSES APPLIED TO BODY */
body.acc-font-lg { font-size: 20px !important; }
body.acc-font-xl { font-size: 23px !important; }
body.acc-high-contrast {
  background: #000000 !important;
  color: #FFFFFF !important;
}
body.acc-high-contrast .site-header,
body.acc-high-contrast .pillar-card,
body.acc-high-contrast .showcase-split-section,
body.acc-high-contrast .tier-card,
body.acc-high-contrast .faq-section,
body.acc-high-contrast .home-article-card,
body.acc-high-contrast .single-post-wrapper {
  background: #111111 !important;
  color: #FFFFFF !important;
  border-color: #555555 !important;
}
body.acc-high-contrast a { color: #FFFF00 !important; }
body.acc-grayscale { filter: grayscale(100%) !important; }
body.acc-invert { filter: invert(100%) !important; }
body.acc-readable-font { font-family: Arial, sans-serif !important; }
body.acc-highlight-links a {
  background: #FEF08A !important;
  color: #854D0E !important;
  text-decoration: underline !important;
}

/* RESPONSIVE */
@media (max-width: 992px) {
  .hero-split {
    grid-template-columns: 1fr;
  }
  .showcase-grid {
    grid-template-columns: 1fr;
  }
  .single-layout-grid {
    grid-template-columns: 1fr;
    gap: 24px;
  }
  .single-sidebar {
    position: static;
  }
  .footer-grid-3col {
    grid-template-columns: 1fr;
    gap: 30px;
  }
  .main-nav {
    display: none;
    position: absolute;
    top: 100%;
    right: 0;
    left: 0;
    background: #fff;
    padding: 20px;
    box-shadow: var(--shadow-md);
    border-bottom: 2px solid var(--border-light);
  }
  .main-nav.active {
    display: block;
  }
  .nav-menu {
    flex-direction: column;
    gap: 14px;
    align-items: flex-start;
  }
  .mobile-toggle {
    display: block;
  }
}

@media (max-width: 640px) {
  .hero-title {
    font-size: 30px;
  }
  .hero-description {
    font-size: 15px;
  }
  .showcase-split-section, .faq-section {
    padding: 26px 18px;
  }
  .footer-bottom .container {
    flex-direction: column;
    text-align: center;
  }
  .footer-mandatory-links {
    justify-content: center;
  }
}