body {
  font-family: 'Montserrat', sans-serif;
  background: #f9f9f9;
  color: #333;
  margin: 0;
  scroll-behavior: smooth;
}

a {
  color: #f39c12;
  text-decoration: none;
}

.container {
  width: 90%;
  max-width: 1200px;
  margin: auto;
}

/* Header & Navigation */
header {
  background: #0d1a33;
  padding: 20px;
  position: sticky;
  top: 0;
  z-index: 1000;
  transition: all 0.3s ease;
}

nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  color: white;
}

.logo {
  font-weight: bold;
  font-size: 1.6rem;
  text-transform: uppercase;
  transition: transform 0.3s ease;
}

.nav-links {
  list-style: none;
  display: flex;
  gap: 20px;
  padding: 0;
  margin: 0;
}

.nav-links a {
  color: white;
  font-weight: 600;
  transition: 0.3s ease;
}

.nav-links a:hover {
  color: #f39c12;
}

/* Hero Section */
.hero {
  background: linear-gradient(rgba(0,0,0,0.5), rgba(0,0,0,0.5)),
              url('https://media.istockphoto.com/id/143175981/photo/family-meeting-with-insurance-agent.jpg?s=612x612&w=0&k=20&c=NxNDrb17KDR8LnGbFMgyVcSr6alziJhy5qNTFcUK_pA=') no-repeat center center/cover;
  color: white;
  text-align: center;
  padding: 100px 20px;
}

.hero h1 {
  font-size: 2.8rem;
  margin-bottom: 15px;
}

.hero p {
  font-size: 1.2rem;
  margin-bottom: 25px;
}

.btn {
  background: #f39c12;
  color: white;
  padding: 12px 25px;
  border: none;
  border-radius: 5px;
  font-weight: bold;
  cursor: pointer;
  transition: background 0.3s;
}

.btn:hover {
  background: #d98000;
}

/* Section Base */
.section {
  padding: 60px 20px;
  text-align: center;
}

.section h2 {
  font-size: 2rem;
  margin-bottom: 40px;
}

/* Cards */
.cards {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 25px;
}

.card {
  background: #fff;
  color: #333;
  border-radius: 8px;
  padding: 25px;
  max-width: 320px;
  text-align: center;
  box-shadow: 0 0 15px rgba(0,0,0,0.06);
  transition: transform 0.3s;
}

.card:hover {
  transform: translateY(-5px);
}

.card img {
  width: 100%;
  border-radius: 6px;
  margin-bottom: 15px;
}

/* Step Cards */
.step-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  justify-content: center;
}

.step-card {
  flex: 1 1 220px;
  min-width: 220px;
  background: linear-gradient(to bottom right, #3498db, #2980b9);
  color: white;
  padding: 30px 20px;
  border-radius: 10px;
  box-shadow: 0 4px 15px rgba(0,0,0,0.1);
  transition: transform 0.4s ease, opacity 0.4s ease;
  opacity: 0;
  transform: translateY(40px);
}

.step-card.visible {
  opacity: 1;
  transform: translateY(0);
}

.step-card h4 {
  font-size: 1rem;
  margin-bottom: 10px;
  color: #ecf0f1;
}

.step-card h3 {
  font-size: 1.2rem;
  margin-bottom: 10px;
}

.step-card p {
  font-size: 0.95rem;
}

/* FAQ Section */
#faq {
  background: #0d1a33;
  color: white;
}

.faq-container {
  max-width: 800px;
  margin: auto;
}

.faq-item {
  margin-bottom: 15px;
  background: white;
  color: #333;
  border-radius: 6px;
  overflow: hidden;
  box-shadow: 0 2px 10px rgba(0,0,0,0.05);
}

.faq-question {
  width: 100%;
  text-align: left;
  padding: 15px 20px;
  background: #fff;
  color: #333;
  font-size: 1.1rem;
  font-weight: bold;
  border: none;
  cursor: pointer;
  transition: background 0.3s ease;
}

.faq-question:hover {
  background: #f2f2f2;
}

.faq-answer {
  padding: 0 20px;
  max-height: 0;
  overflow: hidden;
  background: #fafafa;
  transition: max-height 0.3s ease-out;
}

.faq-answer p {
  padding: 15px 0;
  margin: 0;
}

/* Contact Section */
#contact {
  background: #0d1a33;
  color: white;
}

/* Footer */
footer {
  background: #000;
  color: white;
  text-align: center;
  padding: 30px;
}

/* Animations */
.fade-in {
  opacity: 0;
  transform: translateY(20px);
  transition: all 0.6s ease-out;
}

.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Responsive */
@media (max-width: 768px) {
  .cards,
  .step-grid {
    flex-direction: column;
    align-items: center;
  }

  .nav-links {
    flex-wrap: wrap;
    justify-content: center;
  }

  .hero h1 {
    font-size: 2rem;
  }

  .hero p {
    font-size: 1rem;
  }
}
@media (min-width: 1025px) {
  .hero {
    background-position: center top;
    background-size: contain;
    background-repeat: no-repeat;
    background-color: #0d1a33;
  }

  .hero .hero-content {
    background: rgba(0,0,0,0.5);
    padding: 80px 20px;
    max-width: 700px;
    margin: auto;
  }
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 1.6rem;
  color: white;
}

.logo-img {
  height: 35px;
  width: auto;
  object-fit: contain;
}