/* ==========================================================================
   Vagram Manna Welfare — Main Stylesheet
   Brand: #45AED8 (primary) | #18556F (secondary) | #A1D4E3 (accent) | #FFFFFF
   No gradients. Flat, professional, award-winning design.
   ========================================================================== */

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

html { font-size: 16px; scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    color: #2c3e50;
    background: #FFFFFF;
    line-height: 1.6;
    overflow-x: hidden;
}

a { color: #45AED8; text-decoration: none; transition: color 0.2s; }
a:hover { color: #18556F; }

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

ul { list-style: none; }

/* ----- CSS Variables ----- */
:root {
    --primary: #45AED8;
    --primary-dark: #3a9ac4;
    --secondary: #18556F;
    --secondary-dark: #0f3d52;
    --accent: #A1D4E3;
    --accent-light: #d0eaf2;
    --white: #FFFFFF;
    --light-bg: #F5FAFC;
    --text-dark: #1a2e3a;
    --text-body: #4a5c6a;
    --text-muted: #8a9ba8;
    --border: #e0eaef;
    --border-accent: #A1D4E3;
    --shadow-sm: 0 1px 3px rgba(24, 85, 111, 0.08);
    --shadow-md: 0 4px 12px rgba(24, 85, 111, 0.1);
    --shadow-lg: 0 8px 30px rgba(24, 85, 111, 0.12);
    --radius-sm: 6px;
    --radius: 10px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --transition: 0.25s ease;
    --max-width: 1200px;
}

/* ----- Typography ----- */
h1, h2, h3, h4, h5, h6 { font-family: 'Poppins', sans-serif; color: var(--secondary); font-weight: 700; line-height: 1.3; }

/* ----- Container ----- */
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 20px; }

/* ----- Section ----- */
.section { padding: 80px 0; }
.section-light { background: var(--light-bg); }

.section-header { text-align: center; max-width: 700px; margin: 0 auto 50px; }
.section-tag {
    display: inline-block; font-size: 0.8rem; font-weight: 600; letter-spacing: 2px;
    text-transform: uppercase; color: var(--primary); margin-bottom: 12px;
}
.section-title { font-size: 2rem; margin-bottom: 16px; }
.section-subtitle { font-size: 1.05rem; color: var(--text-body); }
.section-cta { text-align: center; margin-top: 40px; }

/* ----- Buttons ----- */
.btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 8px;
    padding: 12px 28px; font-family: 'Poppins', sans-serif; font-size: 0.95rem; font-weight: 600;
    border: 2px solid transparent; border-radius: var(--radius); cursor: pointer;
    transition: all var(--transition); text-decoration: none; white-space: nowrap;
}
.btn-primary { background: var(--primary); color: var(--white); border-color: var(--primary); }
.btn-primary:hover { background: var(--secondary); border-color: var(--secondary); color: var(--white); }
.btn-outline { background: transparent; color: var(--secondary); border-color: var(--border-accent); }
.btn-outline:hover { background: var(--secondary); color: var(--white); border-color: var(--secondary); }
.btn-white { background: var(--white); color: var(--secondary); border-color: var(--white); }
.btn-white:hover { background: var(--primary); color: var(--white); border-color: var(--primary); }
.btn-outline-white { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.5); }
.btn-outline-white:hover { background: var(--white); color: var(--secondary); border-color: var(--white); }
.btn-danger { background: #e74c3c; color: var(--white); border-color: #e74c3c; }
.btn-danger:hover { background: #c0392b; border-color: #c0392b; color: var(--white); }
.btn-lg { padding: 15px 36px; font-size: 1.05rem; }
.btn-sm { padding: 8px 16px; font-size: 0.85rem; }
.btn-block { width: 100%; }

/* ----- Top Bar ----- */
.top-bar { background: var(--secondary); color: var(--white); font-size: 0.85rem; padding: 8px 0; }
.top-bar-inner { display: flex; justify-content: space-between; align-items: center; }
.top-bar-item { display: inline-flex; align-items: center; gap: 6px; margin-right: 20px; }
.top-bar-item i { font-size: 0.8rem; opacity: 0.8; }
.top-bar-link { color: var(--accent); }
.top-bar-link:hover { color: var(--white); }

/* ----- Navbar ----- */
.navbar { background: var(--white); box-shadow: var(--shadow-sm); position: sticky; top: 0; z-index: 100; }
.nav-inner { display: flex; justify-content: space-between; align-items: center; padding: 12px 20px; max-width: var(--max-width); margin: 0 auto; }

.nav-logo { display: flex; align-items: center; text-decoration: none; height: 70px; }
.nav-logo-img { height: 100%; width: auto; object-fit: contain; }

.nav-links { display: flex; align-items: center; gap: 8px; }
.nav-link {
    padding: 8px 16px; font-weight: 500; font-size: 0.95rem; color: var(--text-dark);
    border-radius: var(--radius-sm); transition: all var(--transition);
}
.nav-link:hover { color: var(--primary); background: var(--light-bg); }
.nav-link.active { color: var(--primary); font-weight: 600; }
.nav-cta { margin-left: 12px; }

.nav-toggle { display: none; flex-direction: column; gap: 5px; background: none; border: none; cursor: pointer; padding: 8px; }
.nav-toggle span { width: 25px; height: 3px; background: var(--secondary); border-radius: 2px; transition: all var(--transition); }
.nav-toggle.active span:nth-child(1) { transform: rotate(45deg) translate(6px, 6px); }
.nav-toggle.active span:nth-child(2) { opacity: 0; }
.nav-toggle.active span:nth-child(3) { transform: rotate(-45deg) translate(6px, -6px); }

/* ----- Hero ----- */
.hero { padding: 60px 0 80px; background: var(--light-bg); }
.hero-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }

.hero-badge {
    display: inline-flex; align-items: center; gap: 8px; padding: 8px 16px;
    background: var(--white); border: 1px solid var(--border-accent); border-radius: 50px;
    font-size: 0.85rem; font-weight: 600; color: var(--secondary); margin-bottom: 24px;
    box-shadow: var(--shadow-sm);
}
.hero-badges { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 24px; }
.hero-badges .hero-badge { margin-bottom: 0; }
.hero-badge i { color: var(--primary); }

.hero-title { font-size: 3rem; line-height: 1.2; margin-bottom: 20px; }
.hero-title-accent { color: var(--primary); }

.hero-subtitle { font-size: 1.15rem; color: var(--text-body); margin-bottom: 32px; max-width: 540px; }

.hero-actions { display: flex; gap: 16px; margin-bottom: 40px; flex-wrap: wrap; }

.hero-meta { display: flex; flex-direction: column; gap: 12px; }
.hero-meta-item { display: flex; align-items: center; gap: 10px; font-size: 0.95rem; color: var(--text-body); }
.hero-meta-item i { color: var(--primary); font-size: 1.1rem; width: 24px; text-align: center; }

/* Hero Visual */
.hero-visual { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.hero-card {
    background: var(--white); border-radius: var(--radius-lg); padding: 28px;
    box-shadow: var(--shadow-md); border: 1px solid var(--border); transition: transform var(--transition);
}
.hero-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.hero-card-main { grid-column: 1; }
.hero-card-accent { grid-column: 2; background: var(--secondary); }
.hero-card-accent .hero-card-icon { background: rgba(255,255,255,0.15); color: var(--accent); }
.hero-card-wide { grid-column: 1 / -1; display: flex; justify-content: space-around; padding: 24px; background: var(--primary); }
.hero-card-wide .stat-number, .hero-card-wide .stat-label { color: var(--white); }
.hero-card-icon {
    width: 52px; height: 52px; border-radius: var(--radius); background: var(--light-bg);
    display: flex; align-items: center; justify-content: center; font-size: 1.4rem; color: var(--primary); margin-bottom: 16px;
}
.hero-card h3 { font-size: 1.15rem; margin-bottom: 8px; }
.hero-card p { font-size: 0.9rem; color: var(--text-body); }
.hero-card-accent h3, .hero-card-accent p { color: var(--white); }
.hero-card-stat { display: flex; flex-direction: column; align-items: center; }
.stat-number { font-family: 'Poppins', sans-serif; font-size: 1.6rem; font-weight: 700; color: var(--secondary); }
.stat-label { font-size: 0.8rem; color: var(--text-muted); margin-top: 4px; }

/* ----- Hero Stats ----- */
.hero-stats { background: var(--white); padding: 32px 0; border-bottom: 1px solid var(--border); }
.hero-stats-grid { display: flex; justify-content: space-around; align-items: center; gap: 20px; }
.hero-stat-item { display: flex; flex-direction: column; align-items: center; text-align: center; }
.hero-stat-num { font-family: 'Poppins', sans-serif; font-size: 2rem; font-weight: 800; color: var(--primary); }
.hero-stat-label { font-size: 0.85rem; color: var(--text-body); margin-top: 4px; font-weight: 500; }
.hero-stat-divider { width: 1px; height: 40px; background: var(--border); }

/* ----- Stats Bar ----- */
.stats-bar { background: var(--secondary); padding: 40px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; }
.stat-item { text-align: center; color: var(--white); }
.stat-icon { width: 56px; height: 56px; margin: 0 auto 12px; border-radius: 50%; background: rgba(255,255,255,0.1); display: flex; align-items: center; justify-content: center; font-size: 1.5rem; color: var(--accent); }
.stat-num { display: block; font-family: 'Poppins', sans-serif; font-size: 1.8rem; font-weight: 700; }
.stat-text { display: block; font-size: 0.9rem; opacity: 0.8; margin-top: 4px; }

/* ----- Services Grid ----- */
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.service-card {
    background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg);
    padding: 32px 24px; transition: all var(--transition); position: relative;
}
.service-card:hover { border-color: var(--border-accent); box-shadow: var(--shadow-md); transform: translateY(-3px); }
.service-icon {
    width: 60px; height: 60px; border-radius: var(--radius); background: var(--light-bg);
    display: flex; align-items: center; justify-content: center; font-size: 1.5rem; color: var(--primary); margin-bottom: 20px;
    transition: all var(--transition);
}
.service-card:hover .service-icon { background: var(--primary); color: var(--white); }
.service-name { font-size: 1.15rem; margin-bottom: 10px; }
.service-desc { font-size: 0.9rem; color: var(--text-body); margin-bottom: 16px; }
.service-badge {
    display: inline-block; padding: 4px 12px; border-radius: 50px; font-size: 0.75rem; font-weight: 600;
    background: var(--accent-light); color: var(--secondary);
}
.service-badge-required { background: #fff3cd; color: #856404; }
.service-badge-optional { background: var(--light-bg); color: var(--text-muted); }
.service-link { display: inline-flex; align-items: center; gap: 6px; font-size: 0.88rem; font-weight: 600; color: var(--primary); margin-top: 8px; transition: gap var(--transition); }
.service-link:hover { color: var(--secondary); gap: 10px; }

/* ----- Features ----- */
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.feature-item { text-align: center; padding: 20px; }
.feature-icon { width: 64px; height: 64px; margin: 0 auto 20px; border-radius: 50%; background: var(--light-bg); display: flex; align-items: center; justify-content: center; font-size: 1.6rem; color: var(--primary); }
.feature-item h3 { font-size: 1.1rem; margin-bottom: 10px; }
.feature-item p { font-size: 0.9rem; color: var(--text-body); }

/* ----- Steps ----- */
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.step-item { text-align: center; position: relative; padding: 20px; }
.step-number {
    position: absolute; top: -10px; left: 50%; transform: translateX(-50%);
    width: 32px; height: 32px; border-radius: 50%; background: var(--primary); color: var(--white);
    display: flex; align-items: center; justify-content: center; font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 0.9rem;
}
.step-icon { width: 60px; height: 60px; margin: 16px auto 16px; border-radius: var(--radius); background: var(--white); border: 2px solid var(--border-accent); display: flex; align-items: center; justify-content: center; font-size: 1.4rem; color: var(--secondary); }
.step-item h3 { font-size: 1.05rem; margin-bottom: 8px; }
.step-item p { font-size: 0.88rem; color: var(--text-body); }

/* ----- CTA Section ----- */
.cta-section { background: var(--secondary); padding: 70px 0; }
.cta-inner { text-align: center; }
.cta-content { max-width: 700px; margin: 0 auto; }
.cta-title { color: var(--white); font-size: 2.2rem; margin-bottom: 16px; }
.cta-subtitle { color: var(--accent); font-size: 1.1rem; margin-bottom: 32px; }
.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ----- Tagline Banner ----- */
.tagline-banner { background: var(--primary); padding: 30px 0; text-align: center; }
.tagline-text { font-family: 'Poppins', sans-serif; font-size: 1.4rem; font-weight: 600; color: var(--white); font-style: italic; }

/* ----- Footer ----- */
.footer { background: var(--secondary-dark); color: var(--white); padding: 60px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 2fr; gap: 40px; padding-bottom: 40px; }
.footer-logo-img { height: 80px; width: auto; margin-bottom: 16px; }
.footer-tagline { font-family: 'Poppins', sans-serif; font-size: 1rem; color: var(--accent); margin-bottom: 12px; font-weight: 500; }
.footer-desc { font-size: 0.88rem; color: rgba(255,255,255,0.6); margin-bottom: 20px; line-height: 1.7; }
.footer-social { display: flex; gap: 12px; }
.footer-social-link {
    width: 40px; height: 40px; border-radius: 50%; background: rgba(255,255,255,0.1);
    display: flex; align-items: center; justify-content: center; color: var(--white); transition: all var(--transition);
}
.footer-social-link:hover { background: var(--primary); color: var(--white); }
.footer-heading { font-size: 1rem; color: var(--white); margin-bottom: 20px; font-weight: 600; }
.footer-links li { margin-bottom: 10px; }
.footer-links a { color: rgba(255,255,255,0.6); font-size: 0.9rem; }
.footer-links a:hover { color: var(--primary); }
.footer-contact li { display: flex; gap: 10px; margin-bottom: 12px; font-size: 0.88rem; color: rgba(255,255,255,0.7); }
.footer-contact i { color: var(--primary); margin-top: 4px; flex-shrink: 0; }
.footer-contact a { color: rgba(255,255,255,0.7); }
.footer-contact a:hover { color: var(--primary); }
.footer-paybill { margin-top: 20px; padding: 16px; background: rgba(69, 174, 216, 0.15); border-radius: var(--radius); text-align: center; }
.footer-paybill-label { display: block; font-size: 0.75rem; color: var(--accent); text-transform: uppercase; letter-spacing: 1px; }
.footer-paybill-number { display: block; font-family: 'Poppins', sans-serif; font-size: 1.5rem; font-weight: 700; color: var(--white); margin: 4px 0; }
.footer-paybill-note { display: block; font-size: 0.8rem; color: rgba(255,255,255,0.5); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding: 20px 0; text-align: center; }
.footer-bottom p { font-size: 0.85rem; color: rgba(255,255,255,0.5); }
.footer-bottom-tagline { margin-top: 8px; font-size: 0.8rem; color: rgba(255,255,255,0.4); }

/* ----- WhatsApp Float ----- */
.whatsapp-float {
    position: fixed; bottom: 24px; right: 24px; width: 56px; height: 56px;
    background: #25D366; border-radius: 50%; display: flex; align-items: center; justify-content: center;
    color: var(--white); font-size: 1.6rem; box-shadow: 0 4px 16px rgba(37, 211, 102, 0.4);
    z-index: 99; transition: transform var(--transition);
}
.whatsapp-float:hover { transform: scale(1.1); color: var(--white); }

/* ----- Page Header ----- */
.page-header { background: var(--secondary); color: var(--white); padding: 60px 0; text-align: center; }
.page-header-compact { padding: 40px 0; }
.page-header-tag { display: inline-block; font-size: 0.8rem; font-weight: 600; letter-spacing: 2px; text-transform: uppercase; color: var(--accent); margin-bottom: 12px; }
.page-header-title { color: var(--white); font-size: 2.4rem; margin-bottom: 12px; }
.page-header-subtitle { color: rgba(255,255,255,0.8); font-size: 1.05rem; max-width: 600px; margin: 0 auto; }

/* ----- Forms ----- */
.form-row { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 20px; }
.form-row.two-col { grid-template-columns: 1fr 1fr; }
.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-weight: 500; font-size: 0.9rem; color: var(--text-dark); margin-bottom: 6px; }
.required { color: #e74c3c; }
.form-group input,
.form-group select,
.form-group textarea {
    width: 100%; padding: 12px 16px; font-family: 'Inter', sans-serif; font-size: 0.95rem;
    color: var(--text-dark); background: var(--white); border: 2px solid var(--border);
    border-radius: var(--radius-sm); transition: border-color var(--transition), box-shadow var(--transition);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px rgba(69, 174, 216, 0.15);
}
.form-group input[readonly] { background: var(--light-bg); color: var(--text-muted); }
.form-hint { display: block; font-size: 0.82rem; color: var(--text-muted); margin-top: 6px; }
.form-message { margin-top: 16px; padding: 12px 16px; border-radius: var(--radius-sm); font-size: 0.9rem; display: none; }
.form-message.success { display: block; background: #d4edda; color: #155724; border: 1px solid #c3e6cb; }
.form-message.error { display: block; background: #f8d7da; color: #721c24; border: 1px solid #f5c6cb; }

/* ----- Wizard ----- */
.wizard { max-width: 850px; margin: 0 auto; background: var(--white); border-radius: var(--radius-xl); box-shadow: var(--shadow-md); overflow: hidden; }

/* Stepper */
.stepper { display: flex; justify-content: space-between; padding: 40px 40px 30px; position: relative; background: var(--light-bg); }
.stepper-line { position: absolute; top: 56px; left: 60px; right: 60px; height: 3px; background: var(--border); z-index: 0; }
.stepper-progress { position: absolute; top: 56px; left: 60px; height: 3px; background: var(--primary); z-index: 1; width: 0; transition: width 0.4s ease; }
.stepper-item { display: flex; flex-direction: column; align-items: center; gap: 8px; position: relative; z-index: 2; flex: 1; }
.stepper-circle {
    width: 36px; height: 36px; border-radius: 50%; background: var(--white); border: 3px solid var(--border);
    display: flex; align-items: center; justify-content: center; font-family: 'Poppins', sans-serif; font-weight: 700;
    font-size: 0.9rem; color: var(--text-muted); transition: all var(--transition);
}
.stepper-label { font-size: 0.8rem; color: var(--text-muted); font-weight: 500; text-align: center; transition: color var(--transition); }
.stepper-item.active .stepper-circle { background: var(--primary); border-color: var(--primary); color: var(--white); }
.stepper-item.active .stepper-label { color: var(--secondary); font-weight: 600; }
.stepper-item.completed .stepper-circle { background: var(--secondary); border-color: var(--secondary); color: var(--white); }
.stepper-item.completed .stepper-label { color: var(--secondary); }

/* Wizard Form */
.wizard-form { padding: 40px; }
.wizard-step { display: none; }
.wizard-step.active { display: block; animation: fadeIn 0.3s ease; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: translateY(0); } }
.wizard-step-title { font-size: 1.4rem; margin-bottom: 8px; }
.wizard-step-desc { font-size: 0.95rem; color: var(--text-body); margin-bottom: 30px; }

.wizard-note {
    display: flex; gap: 12px; padding: 16px 20px; background: var(--light-bg); border-left: 4px solid var(--primary);
    border-radius: var(--radius-sm); margin-top: 24px;
}
.wizard-note i { color: var(--primary); font-size: 1.1rem; margin-top: 2px; }
.wizard-note p { font-size: 0.88rem; color: var(--text-body); }

.wizard-nav { display: flex; justify-content: space-between; margin-top: 32px; gap: 12px; }
.wizard-message { margin-top: 20px; padding: 14px 18px; border-radius: var(--radius-sm); font-size: 0.9rem; display: none; }
.wizard-message.success { display: block; background: #d4edda; color: #155724; }
.wizard-message.error { display: block; background: #f8d7da; color: #721c24; }

/* Dependant entry */
.dependant-entry {
    background: var(--light-bg); border: 1px solid var(--border); border-radius: var(--radius);
    padding: 20px; margin-bottom: 16px; position: relative;
}
.dependant-entry-header { display: flex; justify-content: space-between; align-items: center; margin-bottom: 16px; }
.dependant-entry-title { font-weight: 600; font-size: 0.95rem; color: var(--secondary); }
.btn-remove-dependant {
    background: none; border: none; color: #e74c3c; cursor: pointer; font-size: 0.9rem;
    display: inline-flex; align-items: center; gap: 6px; padding: 4px 8px; border-radius: var(--radius-sm); transition: background var(--transition);
}
.btn-remove-dependant:hover { background: rgba(231, 76, 60, 0.1); }
.btn-add { margin-top: 8px; border-style: dashed; }

/* Payment summary */
.payment-summary { background: var(--light-bg); border-radius: var(--radius); padding: 24px; margin-bottom: 24px; }
.payment-summary-title { font-size: 1.1rem; margin-bottom: 16px; }
.payment-summary-row { display: flex; justify-content: space-between; padding: 8px 0; font-size: 0.95rem; border-bottom: 1px solid var(--border); }
.payment-summary-total { display: flex; justify-content: space-between; padding: 12px 0 0; font-size: 1.1rem; font-weight: 700; color: var(--secondary); }

.payment-mpesa { background: var(--white); border: 2px solid var(--border-accent); border-radius: var(--radius); padding: 24px; margin-bottom: 24px; }
.payment-mpesa-title { font-size: 1.1rem; margin-bottom: 16px; color: var(--secondary); }
.payment-mpesa-steps { padding-left: 20px; }
.payment-mpesa-steps li { margin-bottom: 10px; font-size: 0.92rem; color: var(--text-body); }

.declaration-box { background: var(--light-bg); border-radius: var(--radius); padding: 20px; margin-top: 24px; }
.declaration-label { display: flex; gap: 12px; align-items: flex-start; cursor: pointer; font-size: 0.9rem; color: var(--text-body); }
.declaration-label input { width: 20px; height: 20px; margin-top: 2px; flex-shrink: 0; accent-color: var(--primary); }

/* ----- About Page ----- */
.about-intro { display: grid; grid-template-columns: 1.5fr 1fr; gap: 50px; align-items: start; }
.about-intro-content p { margin-bottom: 16px; color: var(--text-body); font-size: 1rem; line-height: 1.8; }
.about-info-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 24px; box-shadow: var(--shadow-sm); }
.about-info-row { display: flex; flex-direction: column; padding: 10px 0; border-bottom: 1px solid var(--border); }
.about-info-row:last-child { border-bottom: none; }
.about-info-label { font-size: 0.78rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.5px; }
.about-info-value { font-size: 0.95rem; color: var(--secondary); font-weight: 500; margin-top: 2px; }

.mv-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.mv-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 36px 28px; text-align: center; transition: all var(--transition); }
.mv-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.mv-icon { width: 64px; height: 64px; margin: 0 auto 20px; border-radius: 50%; background: var(--primary); display: flex; align-items: center; justify-content: center; font-size: 1.6rem; color: var(--white); }
.mv-card h3 { font-size: 1.2rem; margin-bottom: 12px; }
.mv-card p { font-size: 0.92rem; color: var(--text-body); }

.eligibility-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.eligibility-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 28px 20px; text-align: center; transition: all var(--transition); }
.eligibility-card:hover { border-color: var(--border-accent); box-shadow: var(--shadow-md); }
.eligibility-icon { width: 56px; height: 56px; margin: 0 auto 16px; border-radius: var(--radius); background: var(--light-bg); display: flex; align-items: center; justify-content: center; font-size: 1.4rem; color: var(--primary); }
.eligibility-card h3 { font-size: 1.05rem; margin-bottom: 8px; }
.eligibility-card p { font-size: 0.88rem; color: var(--text-body); }

.locations-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; max-width: 800px; margin: 0 auto; }
.location-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 36px 28px; text-align: center; }
.location-icon { width: 64px; height: 64px; margin: 0 auto 20px; border-radius: 50%; background: var(--light-bg); display: flex; align-items: center; justify-content: center; font-size: 1.6rem; color: var(--primary); }
.location-card h3 { font-size: 1.2rem; margin-bottom: 8px; }
.location-address { font-size: 1rem; color: var(--primary); font-weight: 600; margin-bottom: 10px; }
.location-detail { font-size: 0.9rem; color: var(--text-body); }

/* ----- Services Page ----- */
.service-card-detailed { display: flex; flex-direction: column; }

.fee-table-wrapper { overflow-x: auto; background: var(--white); border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); }
.fee-table { width: 100%; border-collapse: collapse; }
.fee-table th { background: var(--secondary); color: var(--white); padding: 16px 20px; text-align: left; font-size: 0.9rem; font-weight: 600; }
.fee-table td { padding: 14px 20px; border-bottom: 1px solid var(--border); font-size: 0.92rem; }
.fee-table tr:last-child td { border-bottom: none; }
.fee-table tr:hover td { background: var(--light-bg); }
.fee-name { font-weight: 600; color: var(--secondary); }
.fee-amount { font-weight: 700; color: var(--primary); white-space: nowrap; }
.fee-type { display: inline-block; padding: 3px 12px; border-radius: 50px; font-size: 0.75rem; font-weight: 600; }
.fee-type-one-time { background: var(--accent-light); color: var(--secondary); }
.fee-type-mandatory { background: #fff3cd; color: #856404; }
.fee-total-row { background: var(--light-bg); }
.fee-total-row:hover td { background: var(--light-bg); }
.fee-note { display: flex; gap: 12px; align-items: flex-start; margin-top: 20px; padding: 16px 20px; background: #fff8e1; border-radius: var(--radius-sm); border-left: 4px solid #ffc107; }
.fee-note i { color: #ffc107; font-size: 1.1rem; margin-top: 2px; }
.fee-note p { font-size: 0.88rem; color: var(--text-body); }

.payment-instructions { display: grid; grid-template-columns: 1.5fr 1fr; gap: 30px; align-items: center; }
.payment-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 28px; }
.payment-step { display: flex; align-items: center; gap: 16px; padding: 10px 0; border-bottom: 1px solid var(--border); }
.payment-step:last-child { border-bottom: none; }
.payment-step-num { width: 32px; height: 32px; border-radius: 50%; background: var(--primary); color: var(--white); display: flex; align-items: center; justify-content: center; font-weight: 700; font-size: 0.85rem; flex-shrink: 0; }
.payment-step p { font-size: 0.92rem; color: var(--text-body); }
.payment-highlight { background: var(--secondary); border-radius: var(--radius-lg); padding: 36px 28px; text-align: center; }
.payment-highlight-icon { font-size: 2.5rem; color: var(--accent); margin-bottom: 16px; }
.payment-highlight-info { display: flex; flex-direction: column; gap: 4px; }
.payment-highlight-label { font-size: 0.8rem; color: var(--accent); text-transform: uppercase; letter-spacing: 1px; }
.payment-highlight-number { font-family: 'Poppins', sans-serif; font-size: 2rem; font-weight: 700; color: var(--white); }
.payment-highlight-note { font-size: 0.85rem; color: rgba(255,255,255,0.6); }

/* ----- Contact Page ----- */
.contact-grid { display: grid; grid-template-columns: 1.3fr 1fr; gap: 40px; }
.contact-form-wrapper { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 36px; box-shadow: var(--shadow-sm); }
.contact-form-title { font-size: 1.4rem; margin-bottom: 8px; }
.contact-form-subtitle { font-size: 0.92rem; color: var(--text-body); margin-bottom: 24px; }
.contact-info-wrapper { display: flex; flex-direction: column; }
.contact-info-title { font-size: 1.4rem; margin-bottom: 8px; }
.contact-info-subtitle { font-size: 0.92rem; color: var(--text-body); margin-bottom: 24px; }
.contact-info-list { display: flex; flex-direction: column; gap: 16px; margin-bottom: 24px; }
.contact-info-item { display: flex; gap: 16px; align-items: flex-start; }
.contact-info-icon { width: 44px; height: 44px; border-radius: var(--radius); background: var(--light-bg); display: flex; align-items: center; justify-content: center; font-size: 1.1rem; color: var(--primary); flex-shrink: 0; }
.contact-info-icon.whatsapp-icon { background: #e8f5e9; color: #25D366; }
.contact-info-text { display: flex; flex-direction: column; }
.contact-info-label { font-size: 0.78rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.5px; }
.contact-info-value { font-size: 0.95rem; color: var(--secondary); font-weight: 500; }
.contact-paybill-box { background: var(--secondary); border-radius: var(--radius-lg); padding: 24px; text-align: center; }
.contact-paybill-label { display: block; font-size: 0.75rem; color: var(--accent); text-transform: uppercase; letter-spacing: 1px; }
.contact-paybill-number { display: block; font-family: 'Poppins', sans-serif; font-size: 1.8rem; font-weight: 700; color: var(--white); margin: 4px 0; }
.contact-paybill-note { display: block; font-size: 0.82rem; color: rgba(255,255,255,0.5); }

.quick-contact-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.quick-contact-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 28px 20px; text-align: center; transition: all var(--transition); text-decoration: none; color: var(--text-dark); }
.quick-contact-card:hover { border-color: var(--border-accent); box-shadow: var(--shadow-md); transform: translateY(-3px); color: var(--text-dark); }
.quick-contact-icon { width: 52px; height: 52px; margin: 0 auto 14px; border-radius: var(--radius); background: var(--light-bg); display: flex; align-items: center; justify-content: center; font-size: 1.3rem; color: var(--primary); }
.quick-contact-whatsapp .quick-contact-icon { background: #e8f5e9; color: #25D366; }
.quick-contact-register .quick-contact-icon { background: var(--primary); color: var(--white); }
.quick-contact-card h3 { font-size: 1.05rem; margin-bottom: 6px; }
.quick-contact-card p { font-size: 0.88rem; color: var(--text-body); }

/* ----- Success Page ----- */
.success-card { max-width: 650px; margin: 40px auto; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-xl); padding: 50px 40px; text-align: center; box-shadow: var(--shadow-md); }
.success-icon { width: 80px; height: 80px; margin: 0 auto 24px; border-radius: 50%; background: #d4edda; display: flex; align-items: center; justify-content: center; font-size: 2.5rem; color: #28a745; }
.success-title { font-size: 1.8rem; margin-bottom: 16px; }
.success-message { font-size: 1rem; color: var(--text-body); margin-bottom: 24px; }
.success-ref { background: var(--light-bg); border-radius: var(--radius); padding: 20px; margin-bottom: 24px; }
.success-ref-label { display: block; font-size: 0.8rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: 1px; }
.success-ref-number { display: block; font-family: 'Poppins', sans-serif; font-size: 1.4rem; font-weight: 700; color: var(--secondary); margin-top: 4px; }
.success-info { text-align: left; margin-bottom: 32px; }
.success-info h3 { font-size: 1.1rem; margin-bottom: 12px; }
.success-info ol { padding-left: 20px; }
.success-info ol li { margin-bottom: 8px; font-size: 0.92rem; color: var(--text-body); }
.success-actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

/* ----- Admin ----- */
.min-height-section { min-height: 60vh; }
.admin-header { display: flex; justify-content: space-between; align-items: center; margin-bottom: 30px; flex-wrap: wrap; gap: 16px; }
.admin-page-title { font-size: 1.6rem; display: flex; align-items: center; gap: 10px; }
.admin-page-title i { color: var(--primary); }
.admin-page-subtitle { font-size: 0.92rem; color: var(--text-body); margin-top: 4px; }
.admin-header-right { display: flex; gap: 12px; align-items: center; }

.badge { display: inline-flex; align-items: center; justify-content: center; min-width: 22px; height: 22px; padding: 0 6px; border-radius: 50px; font-size: 0.75rem; font-weight: 700; }
.badge-accent { background: #e74c3c; color: var(--white); }

.admin-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-bottom: 30px; }
.admin-stat-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 20px; display: flex; align-items: center; gap: 16px; box-shadow: var(--shadow-sm); }
.admin-stat-icon { width: 48px; height: 48px; border-radius: var(--radius-sm); display: flex; align-items: center; justify-content: center; font-size: 1.3rem; flex-shrink: 0; }
.admin-stat-icon-blue { background: #e3f2fd; color: #1976d2; }
.admin-stat-icon-yellow { background: #fff8e1; color: #f57c00; }
.admin-stat-icon-green { background: #e8f5e9; color: #388e3c; }
.admin-stat-icon-red { background: #ffebee; color: #d32f2f; }
.admin-stat-info { display: flex; flex-direction: column; }
.admin-stat-number { font-family: 'Poppins', sans-serif; font-size: 1.5rem; font-weight: 700; color: var(--secondary); }
.admin-stat-label { font-size: 0.82rem; color: var(--text-muted); }

.admin-filters { display: flex; gap: 8px; margin-bottom: 24px; flex-wrap: wrap; }
.admin-filter-tab { padding: 8px 18px; border-radius: 50px; font-size: 0.88rem; font-weight: 500; color: var(--text-body); background: var(--white); border: 1px solid var(--border); transition: all var(--transition); }
.admin-filter-tab:hover { border-color: var(--primary); color: var(--primary); }
.admin-filter-tab.active { background: var(--primary); color: var(--white); border-color: var(--primary); }

.admin-table-wrapper { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-sm); overflow-x: auto; }
.admin-table { width: 100%; border-collapse: collapse; min-width: 800px; }
.admin-table th { background: var(--light-bg); padding: 14px 16px; text-align: left; font-size: 0.82rem; font-weight: 600; color: var(--secondary); text-transform: uppercase; letter-spacing: 0.5px; }
.admin-table td { padding: 14px 16px; border-bottom: 1px solid var(--border); font-size: 0.9rem; }
.admin-table tr:hover td { background: var(--light-bg); }
.admin-table-id { font-family: monospace; font-size: 0.82rem; color: var(--text-muted); white-space: nowrap; }
.admin-table-name { font-weight: 600; color: var(--secondary); }
.admin-table-date { font-size: 0.85rem; color: var(--text-muted); white-space: nowrap; }

.status-badge { display: inline-block; padding: 4px 12px; border-radius: 50px; font-size: 0.78rem; font-weight: 600; text-transform: capitalize; }
.status-pending { background: #fff3cd; color: #856404; }
.status-approved { background: #d4edda; color: #155724; }
.status-rejected { background: #f8d7da; color: #721c24; }

.admin-empty { text-align: center; padding: 60px 20px; }
.admin-empty i { font-size: 3rem; color: var(--border); margin-bottom: 16px; }
.admin-empty h3 { font-size: 1.2rem; margin-bottom: 8px; }
.admin-empty p { font-size: 0.92rem; color: var(--text-body); }

/* Admin Login */
.admin-login-wrapper { max-width: 420px; margin: 40px auto; }
.admin-login-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-xl); padding: 40px; box-shadow: var(--shadow-md); }
.admin-login-header { text-align: center; margin-bottom: 28px; }
.admin-login-logo { height: 70px; width: auto; margin: 0 auto 16px; }
.admin-login-title { font-size: 1.5rem; margin-bottom: 8px; }
.admin-login-subtitle { font-size: 0.9rem; color: var(--text-body); }
.admin-login-form { margin-bottom: 20px; }
.admin-login-back { display: block; text-align: center; font-size: 0.88rem; color: var(--text-muted); }
.admin-login-back:hover { color: var(--primary); }

.alert { padding: 12px 16px; border-radius: var(--radius-sm); font-size: 0.9rem; margin-bottom: 20px; display: flex; align-items: center; gap: 8px; }
.alert-error { background: #f8d7da; color: #721c24; border: 1px solid #f5c6cb; }

/* Member Detail */
.admin-back { margin-bottom: 20px; }
.member-detail { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-xl); overflow: hidden; box-shadow: var(--shadow-sm); }
.member-detail-header { display: flex; justify-content: space-between; align-items: center; padding: 28px 32px; background: var(--light-bg); border-bottom: 1px solid var(--border); }
.member-detail-name { font-size: 1.5rem; }
.member-detail-id { font-family: monospace; font-size: 0.85rem; color: var(--text-muted); }
.member-detail-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; padding: 28px; }
.member-detail-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 24px; }
.member-detail-card-admin { grid-column: 1 / -1; background: var(--light-bg); }
.member-detail-card-title { font-size: 1.1rem; margin-bottom: 16px; display: flex; align-items: center; gap: 8px; }
.member-detail-card-title i { color: var(--primary); }
.member-detail-list { display: flex; flex-direction: column; }
.member-detail-row { display: flex; justify-content: space-between; padding: 8px 0; border-bottom: 1px solid var(--border); font-size: 0.9rem; }
.member-detail-row:last-child { border-bottom: none; }
.member-detail-row span:first-child { color: var(--text-muted); }
.member-detail-row span:last-child { font-weight: 500; color: var(--secondary); text-align: right; }
.member-detail-empty { font-size: 0.9rem; color: var(--text-muted); font-style: italic; }

.member-dependants { display: flex; flex-direction: column; gap: 12px; }
.member-dependant-item { background: var(--light-bg); border-radius: var(--radius-sm); padding: 12px 16px; }
.member-dependant-name { font-weight: 600; font-size: 0.92rem; color: var(--secondary); margin-bottom: 4px; }
.member-dependant-info { display: flex; gap: 16px; font-size: 0.82rem; color: var(--text-body); flex-wrap: wrap; }

.admin-action-form { margin-bottom: 20px; }
.admin-delete-section { border-top: 1px solid var(--border); padding-top: 16px; }

/* Messages */
.messages-list { display: flex; flex-direction: column; gap: 16px; padding: 24px; }
.message-item { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 20px; }
.message-unread { border-left: 4px solid var(--primary); }
.message-header { display: flex; justify-content: space-between; align-items: center; margin-bottom: 10px; }
.message-header-left { display: flex; gap: 16px; align-items: center; }
.message-name { font-weight: 600; color: var(--secondary); }
.message-date { font-size: 0.82rem; color: var(--text-muted); }
.message-contact { display: flex; gap: 20px; font-size: 0.85rem; color: var(--text-body); margin-bottom: 10px; flex-wrap: wrap; }
.message-contact i { color: var(--primary); margin-right: 4px; }
.message-body { font-size: 0.92rem; color: var(--text-body); padding: 12px; background: var(--light-bg); border-radius: var(--radius-sm); }

/* Password Toggle */
.password-toggle-wrapper { position: relative; }
.password-toggle-wrapper input { padding-right: 48px; }
.password-toggle {
    position: absolute; right: 8px; top: 50%; transform: translateY(-50%);
    background: none; border: none; cursor: pointer; padding: 8px;
    color: var(--text-muted); font-size: 1rem; line-height: 1; transition: color var(--transition);
}
.password-toggle:hover { color: var(--primary); }
.password-toggle:focus { outline: none; color: var(--primary); }

/* ----- Loans Page ----- */
.loan-card {
    background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg);
    overflow: hidden; margin-bottom: 32px; box-shadow: var(--shadow-sm); transition: box-shadow var(--transition);
}
.loan-card:hover { box-shadow: var(--shadow-md); }
.loan-card-header { display: flex; align-items: center; gap: 20px; padding: 24px 28px; }
.loan-card-header-primary { background: var(--primary); }
.loan-card-header-secondary { background: var(--secondary); }
.loan-card-header-red { background: #e74c3c; }
.loan-card-header-blue { background: #1976d2; }
.loan-card-icon {
    width: 56px; height: 56px; border-radius: var(--radius); background: rgba(255,255,255,0.2);
    display: flex; align-items: center; justify-content: center; font-size: 1.5rem; color: var(--white); flex-shrink: 0;
}
.loan-card-title-area { display: flex; flex-direction: column; }
.loan-card-title { color: var(--white); font-size: 1.3rem; margin-bottom: 4px; }
.loan-card-tagline { color: rgba(255,255,255,0.85); font-size: 0.9rem; font-style: italic; }
.loan-card-body { padding: 28px; }
.loan-card-description { font-size: 0.95rem; color: var(--text-body); line-height: 1.8; margin-bottom: 24px; }
.loan-card-details { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.loan-details-title {
    font-size: 1rem; margin-bottom: 14px; display: flex; align-items: center; gap: 8px;
}
.loan-details-title i { color: var(--primary); }
.loan-features-list, .loan-requirements-list { list-style: none; }
.loan-features-list li, .loan-requirements-list li {
    padding: 8px 0; font-size: 0.9rem; color: var(--text-body); border-bottom: 1px solid var(--border);
    display: flex; align-items: flex-start; gap: 8px;
}
.loan-features-list li:last-child, .loan-requirements-list li:last-child { border-bottom: none; }
.loan-features-list li::before {
    content: "\f00c"; font-family: "Font Awesome 6 Free"; font-weight: 900; color: var(--primary);
    font-size: 0.8rem; margin-top: 3px; flex-shrink: 0;
}
.loan-requirements-list li::before {
    content: "\f105"; font-family: "Font Awesome 6 Free"; font-weight: 900; color: var(--secondary);
    font-size: 0.85rem; margin-top: 2px; flex-shrink: 0;
}

/* FAQ */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item {
    background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
    margin-bottom: 12px; overflow: hidden; transition: border-color var(--transition);
}
.faq-item.open { border-color: var(--primary); }
.faq-question {
    width: 100%; padding: 18px 24px; background: none; border: none; cursor: pointer;
    display: flex; justify-content: space-between; align-items: center; font-family: 'Poppins', sans-serif;
    font-size: 0.98rem; font-weight: 600; color: var(--secondary); text-align: left; transition: color var(--transition);
}
.faq-question:hover { color: var(--primary); }
.faq-question i { color: var(--primary); transition: transform var(--transition); flex-shrink: 0; margin-left: 12px; }
.faq-item.open .faq-question i { transform: rotate(180deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.3s ease; }
.faq-item.open .faq-answer { max-height: 300px; }
.faq-answer p { padding: 0 24px 20px; font-size: 0.92rem; color: var(--text-body); line-height: 1.7; }

/* ----- Benefit Pages (Last Expense & Medical Care) ----- */
.benefit-intro { display: grid; grid-template-columns: 1.5fr 1fr; gap: 40px; align-items: start; }
.benefit-intro-content p { margin-bottom: 16px; color: var(--text-body); font-size: 1rem; line-height: 1.8; }
.benefit-intro-highlight {
    background: var(--secondary); border-radius: var(--radius-lg); padding: 32px 28px; text-align: center; color: var(--white);
}
.benefit-intro-highlight-medical { background: var(--primary); }
.benefit-intro-highlight-event { background: #2e7d32; }
.benefit-highlight-icon { width: 64px; height: 64px; margin: 0 auto 16px; border-radius: 50%; background: rgba(255,255,255,0.15); display: flex; align-items: center; justify-content: center; font-size: 1.6rem; color: var(--accent); }
.benefit-intro-highlight h3 { color: var(--white); font-size: 1.2rem; margin-bottom: 10px; }
.benefit-intro-highlight p { color: rgba(255,255,255,0.8); font-size: 0.92rem; line-height: 1.7; }
.benefit-intro-highlight strong { color: var(--white); }

/* Coverage Cards */
.coverage-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.coverage-card {
    background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg);
    padding: 28px 24px; transition: all var(--transition);
}
.coverage-card:hover { border-color: var(--border-accent); box-shadow: var(--shadow-md); transform: translateY(-3px); }
.coverage-icon { width: 56px; height: 56px; margin-bottom: 16px; border-radius: var(--radius); background: var(--light-bg); display: flex; align-items: center; justify-content: center; font-size: 1.4rem; color: var(--primary); transition: all var(--transition); }
.coverage-card:hover .coverage-icon { background: var(--primary); color: var(--white); }
.coverage-title { font-size: 1.1rem; margin-bottom: 8px; }
.coverage-desc { font-size: 0.9rem; color: var(--text-body); line-height: 1.7; }

/* Pricing Plans */
.plans-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.plan-card {
    background: var(--white); border: 2px solid var(--border); border-radius: var(--radius-lg);
    padding: 32px 24px; text-align: center; transition: all var(--transition); position: relative;
}
.plan-card:hover { border-color: var(--border-accent); box-shadow: var(--shadow-md); transform: translateY(-3px); }
.plan-card-popular { border-color: var(--primary); box-shadow: var(--shadow-md); }
.plan-badge {
    position: absolute; top: -12px; left: 50%; transform: translateX(-50%);
    background: var(--primary); color: var(--white); padding: 4px 16px; border-radius: 50px;
    font-size: 0.75rem; font-weight: 600; white-space: nowrap;
}
.plan-name { font-size: 1rem; margin-bottom: 16px; min-height: 40px; display: flex; align-items: center; justify-content: center; }
.plan-price { margin-bottom: 24px; }
.plan-price-currency { font-size: 0.9rem; color: var(--text-muted); font-weight: 500; }
.plan-price-amount { font-family: 'Poppins', sans-serif; font-size: 2.2rem; font-weight: 700; color: var(--secondary); }
.plan-price-period { font-size: 0.85rem; color: var(--text-muted); }
.plan-features { text-align: left; margin-bottom: 24px; }
.plan-features li { padding: 8px 0; font-size: 0.85rem; color: var(--text-body); border-bottom: 1px solid var(--border); display: flex; align-items: flex-start; gap: 8px; }
.plan-features li:last-child { border-bottom: none; }
.plan-features li i { color: var(--primary); font-size: 0.75rem; margin-top: 4px; flex-shrink: 0; }

/* 5-column plans grid for medical cover */
.plans-grid-5 { grid-template-columns: repeat(5, 1fr); }
.plan-icon { width: 48px; height: 48px; margin: 0 auto 12px; border-radius: 50%; background: var(--light-bg); display: flex; align-items: center; justify-content: center; font-size: 1.2rem; color: var(--primary); }
.plan-card-popular .plan-icon { background: var(--primary); color: var(--white); }
.plan-cover-limit { display: flex; flex-direction: column; align-items: center; gap: 2px; margin-bottom: 20px; padding: 12px; background: var(--light-bg); border-radius: var(--radius); }
.plan-cover-label { font-size: 0.75rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.5px; }
.plan-cover-amount { font-family: 'Poppins', sans-serif; font-size: 1.1rem; font-weight: 700; color: var(--secondary); }

/* Timeline */
.timeline { max-width: 700px; margin: 0 auto; position: relative; padding-left: 40px; }
.timeline::before { content: ''; position: absolute; left: 19px; top: 0; bottom: 0; width: 2px; background: var(--border-accent); }
.timeline-item { position: relative; margin-bottom: 28px; }
.timeline-item:last-child { margin-bottom: 0; }
.timeline-number {
    position: absolute; left: -40px; width: 40px; height: 40px; border-radius: 50%;
    background: var(--primary); color: var(--white); display: flex; align-items: center; justify-content: center;
    font-family: 'Poppins', sans-serif; font-weight: 700; font-size: 0.9rem; z-index: 1;
}
.timeline-content { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 16px 20px; }
.timeline-content p { font-size: 0.92rem; color: var(--text-body); line-height: 1.7; }

/* Emergency Contact */
.emergency-contact {
    display: flex; justify-content: space-between; align-items: center; gap: 30px;
    background: var(--white); border: 2px solid var(--border-accent); border-radius: var(--radius-lg); padding: 32px 28px;
}
.emergency-contact-left { display: flex; gap: 20px; align-items: flex-start; }
.emergency-contact-icon { width: 56px; height: 56px; border-radius: 50%; background: #fff3cd; display: flex; align-items: center; justify-content: center; font-size: 1.4rem; color: #f57c00; flex-shrink: 0; }
.emergency-contact-title { font-size: 1.3rem; margin-bottom: 8px; }
.emergency-contact-text { font-size: 0.92rem; color: var(--text-body); line-height: 1.7; }
.emergency-contact-actions { display: flex; flex-direction: column; gap: 12px; flex-shrink: 0; }

/* Mission Banner */
.mission-banner {
    background: var(--secondary); border-radius: var(--radius-xl); padding: 48px 40px; text-align: center;
}
.mission-banner-icon { width: 72px; height: 72px; margin: 0 auto 20px; border-radius: 50%; background: rgba(255,255,255,0.1); display: flex; align-items: center; justify-content: center; font-size: 1.8rem; color: var(--accent); }
.mission-banner-title { color: var(--white); font-size: 1.5rem; margin-bottom: 16px; }
.mission-banner-text { color: rgba(255,255,255,0.8); font-size: 1.05rem; line-height: 1.8; max-width: 700px; margin: 0 auto; font-style: italic; }

/* ----- Responsive ----- */
@media (max-width: 992px) {
    .hero-inner { grid-template-columns: 1fr; gap: 40px; }
    .hero-title { font-size: 2.4rem; }
    .about-intro { grid-template-columns: 1fr; gap: 30px; }
    .contact-grid { grid-template-columns: 1fr; }
    .payment-instructions { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 30px; }
    .services-grid { grid-template-columns: repeat(2, 1fr); }
    .features-grid { grid-template-columns: repeat(2, 1fr); }
    .eligibility-grid { grid-template-columns: repeat(2, 1fr); }
    .admin-stats { grid-template-columns: repeat(2, 1fr); }
    .member-detail-grid { grid-template-columns: 1fr; }
    .loan-card-details { grid-template-columns: 1fr; gap: 20px; }
    .benefit-intro { grid-template-columns: 1fr; gap: 30px; }
    .coverage-grid { grid-template-columns: repeat(2, 1fr); }
    .plans-grid { grid-template-columns: repeat(2, 1fr); }
    .plans-grid-5 { grid-template-columns: repeat(3, 1fr); }
    .emergency-contact { flex-direction: column; align-items: flex-start; }
    .emergency-contact-actions { flex-direction: row; width: 100%; }
}

@media (max-width: 768px) {
    .section { padding: 50px 0; }
    .section-title { font-size: 1.6rem; }
    .hero-title { font-size: 2rem; }
    .hero-subtitle { font-size: 1rem; }
    .cta-title { font-size: 1.6rem; }
    .page-header-title { font-size: 1.8rem; }

    .nav-links {
        display: none; position: absolute; top: 100%; left: 0; right: 0; background: var(--white);
        flex-direction: column; padding: 20px; gap: 4px; box-shadow: var(--shadow-md);
        border-top: 1px solid var(--border);
    }
    .nav-links.open { display: flex; }
    .nav-link { width: 100%; padding: 12px 16px; }
    .nav-cta { margin: 8px 0 0; width: 100%; }
    .nav-toggle { display: flex; }

    .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 20px; }
    .steps-grid { grid-template-columns: repeat(2, 1fr); }
    .mv-grid { grid-template-columns: 1fr; }
    .locations-grid { grid-template-columns: 1fr; }
    .quick-contact-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: 1fr; }

    .stepper { padding: 24px 16px 20px; }
    .stepper-line { left: 20px; right: 20px; top: 38px; }
    .stepper-progress { left: 20px; top: 38px; }
    .stepper-circle { width: 30px; height: 30px; font-size: 0.8rem; }
    .stepper-label { font-size: 0.7rem; }

    .wizard-form { padding: 24px 20px; }
    .form-row { grid-template-columns: 1fr; }
    .form-row.two-col { grid-template-columns: 1fr; }

    .wizard-nav { flex-direction: column-reverse; }
    .wizard-nav .btn { width: 100%; }

    .top-bar-item.d-none-mobile { display: none; }
    .top-bar-right .top-bar-item.d-none-mobile { display: none; }
    .coverage-grid { grid-template-columns: 1fr; }
    .plans-grid-5 { grid-template-columns: repeat(2, 1fr); }
    .emergency-contact-actions { flex-direction: column; width: 100%; }
    .emergency-contact-actions .btn { width: 100%; }
    .hero-stats-grid { flex-wrap: wrap; gap: 16px; }
    .hero-stat-divider { display: none; }
    .hero-stat-num { font-size: 1.6rem; }
}

@media (max-width: 480px) {
    .container { padding: 0 16px; }
    .section { padding: 40px 0; }
    .hero { padding: 30px 0 50px; }
    .hero-title { font-size: 1.6rem; }
    .hero-subtitle { font-size: 0.92rem; }
    .hero-actions { flex-direction: column; }
    .hero-actions .btn { width: 100%; }
    .hero-meta-item { font-size: 0.85rem; }

    .stats-grid { grid-template-columns: 1fr; }
    .services-grid { grid-template-columns: 1fr; }
    .features-grid { grid-template-columns: 1fr; }
    .steps-grid { grid-template-columns: 1fr; }
    .eligibility-grid { grid-template-columns: 1fr; }
    .quick-contact-grid { grid-template-columns: 1fr; }
    .admin-stats { grid-template-columns: 1fr; }
    .plans-grid { grid-template-columns: 1fr; }
    .plans-grid-5 { grid-template-columns: 1fr; }

    .section-title { font-size: 1.4rem; }
    .cta-title { font-size: 1.3rem; }
    .cta-actions { flex-direction: column; }
    .cta-actions .btn { width: 100%; }

    .nav-logo { height: 56px; }

    .wizard { border-radius: var(--radius-lg); }
    .stepper-label { display: none; }
    .stepper-line, .stepper-progress { top: 24px; left: 30px; right: 30px; }

    .success-card { padding: 30px 20px; }
    .success-title { font-size: 1.4rem; }

    .footer-bottom-tagline { display: none; }

    .whatsapp-float { width: 48px; height: 48px; font-size: 1.3rem; bottom: 16px; right: 16px; }
}

/* ----- Utility ----- */
.d-none-mobile { display: inline-flex; }
.text-center { text-align: center; }
.mt-20 { margin-top: 20px; }
.mb-20 { margin-bottom: 20px; }