/* ==========================================================================
   Atlantic Behavioral Specialists - Insurance Page Modern Design System
   ========================================================================== */

:root {
    --abs-navy-900: #0b1f30;
    --abs-navy-800: #112d46;
    --abs-navy-700: #163954;
    --abs-navy-600: #1f4b6e;
    --abs-blue-accent: #c59239;
    --abs-blue-light: #fbf5e8;
    --abs-orange-500: #c59239;
    --abs-orange-600: #af7e26;
    --abs-orange-light: #fbf5e8;
    --abs-gold-500: #c59239;
    --abs-gold-600: #af7e26;
    --abs-gold-light: #fbf5e8;
    --abs-teal-500: #163954;
    --abs-teal-light: #f4f7fb;
    --abs-gray-50: #f8fafc;
    --abs-gray-100: #f1f5f9;
    --abs-gray-200: #e2e8f0;
    --abs-gray-400: #94a3b8;
    --abs-gray-600: #475569;
    --abs-gray-800: #1e293b;
    --abs-card-radius: 18px;
    --abs-transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
    --abs-font-heading: "Manrope", sans-serif;
    --abs-font-body: "Plus Jakarta Sans", "Inter", sans-serif;
}

.ins-hero,
.ins-section,
.ins-pillar-section,
.ins-process-section,
.ins-faq-section {
    font-family: var(--abs-font-body);
}

.ins-hero__title,
.ins-section-title,
.ins-pillar-card__title,
.ins-card__name,
.ins-process-title,
.ins-faq-btn {
    font-family: var(--abs-font-heading) !important;
}

/* --------------------------------------------------------------------------
   1. HERO SECTION
   -------------------------------------------------------------------------- */
.ins-hero {
    position: relative;
    background: linear-gradient(135deg, #0b2238 0%, #163954 55%, #1b4b70 100%);
    padding: 130px 0 70px;
    color: #ffffff;
    overflow: hidden;
}

.ins-hero__mesh {
    position: absolute;
    inset: 0;
    /* background-image:
        radial-gradient(circle at 15% 25%, rgba(197, 146, 57, 0.2) 0%, transparent 45%),
        radial-gradient(circle at 85% 75%, rgba(14, 37, 56, 0.4) 0%, transparent 40%); */
    /* pointer-events: none; */
}

.ins-hero__pattern {
    position: absolute;
    inset: 0;
    background-size: 32px 32px;
    background-image: linear-gradient(to right, rgba(255, 255, 255, 0.03) 1px, transparent 1px),
        linear-gradient(to bottom, rgba(255, 255, 255, 0.03) 1px, transparent 1px);
    pointer-events: none;
}

.ins-hero__inner {
    position: relative;
    z-index: 2;
}

.ins-hero__meta {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 12px;
    margin-bottom: 24px;
}

.ins-hero__meta .ins-breadcrumb,
.ins-hero__meta .ins-badge-pill {
    margin-bottom: 0;
}

.ins-breadcrumb {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(255, 255, 255, 0.1);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.16);
    padding: 6px 16px;
    border-radius: 30px;
    font-size: 0.84rem;
    font-weight: 500;
    margin-bottom: 24px;
}

.ins-breadcrumb a {
    color: rgba(255, 255, 255, 0.85);
    text-decoration: none;
    transition: var(--abs-transition);
}

.ins-breadcrumb a:hover {
    color: #ffffff;
}

.ins-breadcrumb .sep {
    color: rgba(255, 255, 255, 0.4);
    font-size: 0.8rem;
}

.ins-breadcrumb .current {
    color: #fce4b8;
    font-weight: 600;
}

.ins-badge-pill {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(197, 146, 57, 0.18);
    border: 1px solid rgba(197, 146, 57, 0.45);
    color: #fce4b8;
    padding: 6px 14px;
    border-radius: 50px;
    font-size: 0.82rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.8px;
    margin-bottom: 20px;
}

.ins-badge-pill .pulse-dot {
    width: 8px;
    height: 8px;
    background: #e88843;
    border-radius: 50%;
    box-shadow: 0 0 10px #e88843;
}

.ins-hero__title {
    font-size: 2.1rem;
    font-weight: 500;
    color: #ffffff;
    margin-bottom: 20px;
}

.ins-hero__title span.highlight {
    background: linear-gradient(120deg, #ffc596 0%, #e88843 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    display: inline-block;
}

.ins-hero__lead {
    font-size: 1.15rem;
    line-height: 1.68;
    color: rgba(255, 255, 255, 0.88);
    margin-bottom: 32px;
    max-width: 580px;
}

.ins-hero__lead strong {
    color: #ffffff;
    font-weight: 600;
}

.ins-hero__cta-group {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 16px;
    margin-bottom: 34px;
}

.ins-btn-primary {
    background: linear-gradient(135deg, #e88843 0%, #d8722b 100%);
    color: #ffffff !important;
    font-weight: 700;
    font-size: 1rem;
    padding: 15px 32px;
    border-radius: 50px;
    border: none;
    display: inline-flex;
    align-items: center;
    gap: 10px;
    box-shadow: 0 10px 25px rgba(216, 114, 43, 0.38);
    transition: var(--abs-transition);
    text-decoration: none !important;
}

.ins-btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 14px 30px rgba(216, 114, 43, 0.5);
    color: #ffffff !important;
}

.ins-btn-secondary {
    background: rgba(255, 255, 255, 0.1);
    color: #ffffff !important;
    font-weight: 600;
    font-size: 1rem;
    padding: 14px 28px;
    border-radius: 50px;
    border: 1px solid rgba(255, 255, 255, 0.28);
    display: inline-flex;
    align-items: center;
    gap: 10px;
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    transition: var(--abs-transition);
    text-decoration: none !important;
}

.ins-btn-secondary:hover {
    background: rgba(255, 255, 255, 0.2);
    border-color: rgba(255, 255, 255, 0.5);
    color: #ffffff !important;
    transform: translateY(-2px);
}

.ins-hero__perks {
    display: flex;
    flex-wrap: wrap;
    gap: 20px;
    padding-top: 22px;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.ins-hero__perk-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 0.88rem;
    color: rgba(255, 255, 255, 0.85);
}

.ins-hero__perk-item i {
    color: #48bb78;
    font-size: 0.95rem;
}

/* Hero Right Visual Stack */
.ins-hero__visual {
    position: relative;
    padding: 15px;
}

.ins-hero__img-frame {
    position: relative;
    border-radius: 26px;
    overflow: hidden;
    box-shadow: 0 24px 60px rgba(7, 20, 32, 0.45);
    border: 3px solid rgba(255, 255, 255, 0.12);
}

.ins-hero__img-frame img {
    width: 100%;
    height: auto;
    display: block;
    object-fit: cover;
    transition: transform 0.6s ease;
}

.ins-hero__visual:hover .ins-hero__img-frame img {
    transform: scale(1.025);
}

.ins-float-card {
    position: absolute;
    background: rgba(255, 255, 255, 0.94);
    backdrop-filter: blur(14px);
    -webkit-backdrop-filter: blur(14px);
    border: 1px solid rgba(255, 255, 255, 0.8);
    border-radius: 16px;
    padding: 12px 18px;
    box-shadow: 0 16px 36px rgba(0, 0, 0, 0.18);
    display: flex;
    align-items: center;
    gap: 12px;
    color: var(--abs-gray-800);
    z-index: 3;
    animation: insFloat 4s ease-in-out infinite alternate;
}

.ins-float-card--top {
    top: 5px;
    right: -10px;
}

.ins-float-card--bottom {
    bottom: -15px;
    left: 0px;
    animation-delay: -2s;
}

.ins-float-card__icon {
    width: 42px;
    height: 42px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    flex-shrink: 0;
}

.ins-float-card__icon--blue {
    background: #e6f0fa;
    color: #00509d;
}

.ins-float-card__icon--orange {
    background: #fef0e6;
    color: #e88843;
}

.ins-float-card__title {
    font-size: 0.92rem;
    font-weight: 700;
    margin: 0;
    line-height: 1.25;
    color: var(--abs-navy-900);
}

.ins-float-card__sub {
    font-size: 0.78rem;
    color: var(--abs-gray-600);
    margin: 0;
}

@keyframes insFloat {
    0% {
        transform: translateY(0px);
    }

    100% {
        transform: translateY(-8px);
    }
}

/* --------------------------------------------------------------------------
   2. STATS / TRUST METRICS BAR
   -------------------------------------------------------------------------- */
.ins-trust-bar {
    background: #ffffff;
    border-bottom: 1px solid var(--abs-gray-200);
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.03);
    padding: 24px 0;
}

.ins-trust-item {
    display: flex;
    align-items: center;
    gap: 15px;
    padding: 10px 15px;
}

.ins-trust-item__icon {
    width: 48px;
    height: 48px;
    border-radius: 14px;
    background: var(--abs-blue-light);
    color: var(--abs-navy-700);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.35rem;
    flex-shrink: 0;
}

.ins-trust-item:nth-child(2) .ins-trust-item__icon {
    background: var(--abs-orange-light);
    color: var(--abs-orange-500);
}

.ins-trust-item:nth-child(3) .ins-trust-item__icon {
    background: var(--abs-teal-light);
    color: var(--abs-teal-500);
}

.ins-trust-item:nth-child(4) .ins-trust-item__icon {
    background: #ede9fe;
    color: #7c3aed;
}

.ins-trust-item__val {
    font-size: 1.25rem;
    font-weight: 800;
    color: var(--abs-navy-900);
    line-height: 1.2;
    margin: 0;
}

.ins-trust-item__label {
    font-size: 0.84rem;
    color: var(--abs-gray-600);
    margin: 0;
}

/* --------------------------------------------------------------------------
   3. ABOUT INSURANCE & COVERAGE STORY SECTION
   -------------------------------------------------------------------------- */
.ins-about-section {
    padding: 90px 0;
    background: #ffffff;
    position: relative;
}

.ins-tag {
    display: inline-block;
    font-size: 0.8rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.2px;
    color: var(--abs-orange-500);
    background: var(--abs-orange-light);
    padding: 5px 14px;
    border-radius: 30px;
    margin-bottom: 15px;
}

.ins-section-title {
    font-size: 2.35rem;
    font-weight: 800;
    color: var(--abs-navy-900);
    line-height: 1.22;
    margin-bottom: 22px;
    letter-spacing: -0.5px;
}

.ins-section-title span.accent {
    color: var(--abs-navy-700);
    position: relative;
}

.ins-about__lead {
    font-size: 1.08rem;
    line-height: 1.75;
    color: var(--abs-gray-600);
    margin-bottom: 25px;
    text-align: justify;
}

.ins-about__lead strong.brand {
    color: var(--abs-orange-600);
    font-weight: 700;
}

.ins-about__lead strong.highlight {
    color: var(--abs-navy-800);
    font-weight: 600;
}

/* 3 Pillars Grid */
.ins-pillars-grid {
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin-top: 30px;
}

.ins-pillar-card {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    background: var(--abs-gray-50);
    border: 1px solid var(--abs-gray-200);
    border-radius: 14px;
    padding: 18px 20px;
    transition: var(--abs-transition);
}

.ins-pillar-card:hover {
    background: #ffffff;
    border-color: var(--abs-orange-500);
    box-shadow: 0 10px 24px rgba(0, 0, 0, 0.06);
    transform: translateX(4px);
}

.ins-pillar-card__icon {
    width: 44px;
    height: 44px;
    border-radius: 12px;
    background: #ffffff;
    border: 1px solid var(--abs-gray-200);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.15rem;
    color: var(--abs-navy-700);
    flex-shrink: 0;
    box-shadow: 0 4px 10px rgba(0, 0, 0, 0.04);
}

.ins-pillar-card:hover .ins-pillar-card__icon {
    background: var(--abs-orange-500);
    color: #ffffff;
    border-color: var(--abs-orange-500);
}

.ins-pillar-card__title {
    font-size: 1.02rem;
    font-weight: 700;
    color: var(--abs-navy-900);
    margin: 0 0 4px 0;
}

.ins-pillar-card__desc {
    font-size: 0.9rem;
    line-height: 1.55;
    color: var(--abs-gray-600);
    margin: 0;
}

/* About Right Visual & Navigator Box */
.ins-about-right {
    position: relative;
    padding-left: 20px;
}

.ins-about-image-card {
    position: relative;
    border-radius: 24px;
    overflow: hidden;
    box-shadow: 0 20px 48px rgba(22, 57, 84, 0.14);
    border: 4px solid #ffffff;
    margin-bottom: 0;
}

.ins-about-image-card img {
    width: 100%;
    height: auto;
    display: block;
    object-fit: cover;
}

/* Billing Concierge Assistance Box */
.ins-concierge-card {
    background: linear-gradient(135deg, #0e273c 0%, #163954 100%);
    border-radius: 20px;
    padding: 28px 30px;
    color: #ffffff;
    position: relative;
    overflow: hidden;
    box-shadow: 0 16px 36px rgba(14, 39, 60, 0.22);
}

.ins-concierge-card::before {
    content: "";
    position: absolute;
    top: -50px;
    right: -50px;
    width: 140px;
    height: 140px;
    border-radius: 50%;
    background: rgba(232, 136, 67, 0.16);
    pointer-events: none;
}

.ins-concierge-card__badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: rgba(255, 255, 255, 0.12);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: 30px;
    padding: 4px 12px;
    font-size: 0.78rem;
    font-weight: 600;
    color: #ffc99d;
    margin-bottom: 12px;
}

.ins-concierge-card__title {
    font-size: 1.3rem;
    font-weight: 700;
    color: #ffffff;
    margin-bottom: 10px;
}

.ins-concierge-card__desc {
    font-size: 0.92rem;
    line-height: 1.6;
    color: rgba(255, 255, 255, 0.85);
    margin-bottom: 20px;
}

.ins-concierge-card__call-box {
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.18);
    border-radius: 14px;
    padding: 14px 18px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 15px;
    margin-bottom: 16px;
}

.ins-concierge-card__call-info {
    display: flex;
    align-items: center;
    gap: 12px;
}

.ins-concierge-card__call-icon {
    width: 40px;
    height: 40px;
    border-radius: 10px;
    background: var(--abs-orange-500);
    color: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    flex-shrink: 0;
}

.ins-concierge-card__phone-label {
    font-size: 0.75rem;
    text-transform: uppercase;
    letter-spacing: 0.6px;
    color: rgba(255, 255, 255, 0.7);
    margin: 0;
}

.ins-concierge-card__phone-number {
    font-size: 1.15rem;
    font-weight: 800;
    color: #ffffff;
    text-decoration: none;
    margin: 0;
    display: block;
}

.ins-concierge-card__phone-number:hover {
    color: #ffd8b3;
}

.ins-concierge-card__call-btn {
    background: var(--abs-orange-500);
    color: #ffffff;
    padding: 8px 18px;
    border-radius: 30px;
    font-size: 0.84rem;
    font-weight: 700;
    text-decoration: none;
    transition: var(--abs-transition);
    white-space: nowrap;
}

.ins-concierge-card__call-btn:hover {
    background: var(--abs-orange-600);
    color: #ffffff;
}

.ins-concierge-card__billing-note {
    font-size: 0.84rem;
    color: rgba(255, 255, 255, 0.75);
    line-height: 1.5;
    margin: 0;
    padding-top: 10px;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.ins-concierge-card__billing-note a {
    color: #ffc99d;
    font-weight: 600;
    text-decoration: underline;
}

/* --------------------------------------------------------------------------
   4. ACCEPTED PROVIDERS SHOWCASE (GRID + TABS + SEARCH)
   -------------------------------------------------------------------------- */
.ins-providers-section {
    padding: 85px 0 95px;
    background: var(--abs-gray-50);
    position: relative;
    border-top: 1px solid var(--abs-gray-200);
}

.ins-providers-header {
    text-align: center;
    max-width: 780px;
    margin: 0 auto 40px;
}

.ins-providers-header .ins-section-title {
    margin-bottom: 12px;
}

.ins-providers-header .ins-section-desc {
    font-size: 1.05rem;
    line-height: 1.65;
    color: var(--abs-gray-600);
}

/* Filter Bar & Search */
.ins-filter-bar {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    margin-bottom: 35px;
    background: #ffffff;
    padding: 14px 20px;
    border-radius: 50px;
    border: 1px solid var(--abs-gray-200);
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.03);
}

.ins-filter-tabs {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
}

.ins-filter-btn {
    background: transparent;
    border: none;
    color: var(--abs-gray-600);
    font-weight: 600;
    font-size: 0.88rem;
    padding: 8px 18px;
    border-radius: 30px;
    cursor: pointer;
    transition: var(--abs-transition);
}

.ins-filter-btn:hover {
    color: var(--abs-navy-900);
    background: var(--abs-gray-100);
}

.ins-filter-btn.active {
    background: var(--abs-navy-700);
    color: #ffffff;
    box-shadow: 0 4px 12px rgba(22, 57, 84, 0.25);
}

.ins-search-box {
    position: relative;
    min-width: 260px;
}

.ins-search-box input {
    width: 100%;
    padding: 9px 16px 9px 38px;
    border-radius: 30px;
    border: 1px solid var(--abs-gray-200);
    font-size: 0.88rem;
    outline: none;
    transition: var(--abs-transition);
    background: var(--abs-gray-50);
}

.ins-search-box input:focus {
    border-color: var(--abs-blue-accent);
    background: #ffffff;
    box-shadow: 0 0 0 3px rgba(0, 114, 206, 0.12);
}

.ins-search-box i {
    position: absolute;
    left: 14px;
    top: 50%;
    transform: translateY(-50%);
    color: var(--abs-gray-400);
    font-size: 0.85rem;
}

/* Provider Cards Grid */
.ins-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

@media (max-width: 991px) {
    .ins-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 650px) {
    .ins-grid {
        grid-template-columns: 1fr;
    }
}

.ins-card {
    background: #ffffff;
    border-radius: 18px;
    border: 1px solid var(--abs-gray-200);
    overflow: hidden;
    display: flex;
    flex-direction: column;
    box-shadow: 0 6px 20px rgba(0, 0, 0, 0.04);
    transition: var(--abs-transition);
    position: relative;
}

.ins-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 16px 36px rgba(22, 57, 84, 0.12);
    border-color: #cbd5e1;
}

.ins-card__top {
    position: relative;
    width: 100%;
    aspect-ratio: 16 / 9;
    background: linear-gradient(180deg, #f8fafc 0%, #ffffff 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 0;
    border-bottom: 1px solid var(--abs-gray-100);
    overflow: hidden;
}

.ins-card__logo {
    max-width: 100%;
    max-height: 100%;
    width: auto;
    height: auto;
    aspect-ratio: 16 / 9;
    object-fit: contain;
    transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.ins-card:hover .ins-card__logo {
    transform: scale(1.06);
}

.ins-card__status-badge {
    position: absolute;
    top: 12px;
    right: 14px;
    font-size: 0.72rem;
    font-weight: 700;
    color: #166534;
    background: #dcfce7;
    border: 1px solid #bbf7d0;
    border-radius: 20px;
    padding: 3px 10px;
    display: inline-flex;
    align-items: center;
    gap: 5px;
}

.ins-card__status-badge::before {
    content: "";
    width: 6px;
    height: 6px;
    background: #22c55e;
    border-radius: 50%;
}

.ins-card__body {
    padding: 22px 24px;
    display: flex;
    flex-direction: column;
    flex-grow: 1;
}

.ins-card__name {
    font-size: 1.22rem;
    font-weight: 700;
    color: var(--abs-navy-900);
    margin: 0 0 12px 0;
}

.ins-card__sub-label {
    font-size: 0.76rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.8px;
    color: var(--abs-gray-400);
    margin-bottom: 8px;
}

.ins-card__plans-list {
    list-style: none;
    padding: 0;
    margin: 0 0 20px 0;
    display: flex;
    flex-direction: column;
    gap: 6px;
    flex-grow: 1;
}

.ins-card__plan-item {
    font-size: 0.88rem;
    color: var(--abs-gray-600);
    display: flex;
    align-items: center;
    gap: 8px;
}

.ins-card__plan-item i {
    font-size: 0.75rem;
    color: var(--abs-blue-accent);
}

.ins-card__plan-item a {
    color: var(--abs-gray-800);
    text-decoration: none;
    transition: var(--abs-transition);
}

.ins-card__plan-item a:hover {
    color: var(--abs-blue-accent);
    text-decoration: underline;
}

.ins-card__footer {
    padding-top: 14px;
    border-top: 1px solid var(--abs-gray-100);
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.ins-card__verify-link {
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--abs-orange-500);
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 6px;
    transition: var(--abs-transition);
}

.ins-card__verify-link:hover {
    color: var(--abs-orange-600);
    transform: translateX(3px);
}

.ins-card__category-tag {
    font-size: 0.72rem;
    font-weight: 600;
    padding: 3px 8px;
    border-radius: 6px;
    background: var(--abs-gray-100);
    color: var(--abs-gray-600);
}

/* Empty Search State */
.ins-no-results {
    grid-column: 1 / -1;
    text-align: center;
    padding: 60px 20px;
    background: #ffffff;
    border-radius: 18px;
    border: 2px dashed var(--abs-gray-200);
}

.ins-no-results__icon {
    font-size: 3rem;
    color: var(--abs-gray-400);
    margin-bottom: 16px;
}

.ins-no-results__title {
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--abs-navy-900);
    margin-bottom: 8px;
}

.ins-no-results__text {
    font-size: 0.95rem;
    color: var(--abs-gray-600);
    max-width: 480px;
    margin: 0 auto 20px;
}

/* --------------------------------------------------------------------------
   5. HOW IT WORKS 3-STEP PROCESS
   -------------------------------------------------------------------------- */
.ins-process-section {
    padding: 85px 0;
    background: #ffffff;
}

.ins-process-card {
    text-align: center;
    padding: 35px 26px;
    border-radius: 20px;
    background: var(--abs-gray-50);
    border: 1px solid var(--abs-gray-200);
    position: relative;
    transition: var(--abs-transition);
    height: 100%;
}

.ins-process-card:hover {
    transform: translateY(-5px);
    border-color: var(--abs-blue-accent);
    box-shadow: 0 16px 36px rgba(0, 114, 206, 0.08);
    background: #ffffff;
}

.ins-process-number {
    position: absolute;
    top: 18px;
    right: 22px;
    font-size: 2.2rem;
    font-weight: 900;
    color: rgba(22, 57, 84, 0.08);
}

.ins-process-icon {
    width: 68px;
    height: 68px;
    border-radius: 20px;
    background: linear-gradient(135deg, var(--abs-navy-700) 0%, var(--abs-blue-accent) 100%);
    color: #ffffff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.6rem;
    margin: 0 auto 22px;
    box-shadow: 0 10px 20px rgba(0, 114, 206, 0.25);
}

.ins-process-card:nth-child(2) .ins-process-icon {
    background: linear-gradient(135deg, var(--abs-orange-500) 0%, #f97316 100%);
    box-shadow: 0 10px 20px rgba(232, 136, 67, 0.25);
}

.ins-process-card:nth-child(3) .ins-process-icon {
    background: linear-gradient(135deg, #059669 0%, #10b981 100%);
    box-shadow: 0 10px 20px rgba(16, 185, 129, 0.25);
}

.ins-process-title {
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--abs-navy-900);
    margin-bottom: 12px;
}

.ins-process-desc {
    font-size: 0.92rem;
    line-height: 1.65;
    color: var(--abs-gray-600);
    margin: 0;
}

/* --------------------------------------------------------------------------
   6. INSURANCE FAQ SECTION
   -------------------------------------------------------------------------- */
.ins-faq-section {
    padding: 85px 0 95px;
    background: var(--abs-gray-50);
    border-top: 1px solid var(--abs-gray-200);
}

.ins-faq-accordion {
    max-width: 820px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.ins-faq-item {
    background: #ffffff;
    border: 1px solid var(--abs-gray-200);
    border-radius: 14px;
    overflow: hidden;
    transition: var(--abs-transition);
}

.ins-faq-item.active {
    border-color: var(--abs-blue-accent);
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.05);
}

.ins-faq-question {
    padding: 20px 24px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 15px;
    cursor: pointer;
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--abs-navy-900);
    user-select: none;
}

.ins-faq-question i {
    font-size: 0.95rem;
    color: var(--abs-gray-400);
    transition: transform 0.3s ease;
}

.ins-faq-item.active .ins-faq-question i {
    transform: rotate(180deg);
    color: var(--abs-blue-accent);
}

.ins-faq-answer {
    padding: 0 24px 22px;
    font-size: 0.95rem;
    line-height: 1.7;
    color: var(--abs-gray-600);
    display: none;
}

.ins-faq-item.active .ins-faq-answer {
    display: block;
}

/* --------------------------------------------------------------------------
   7. BOTTOM CONVERSION BANNER
   -------------------------------------------------------------------------- */
.ins-cta-banner {
    position: relative;
    background: linear-gradient(135deg, #0e273c 0%, #163954 60%, #1a4968 100%);
    padding: 70px 0;
    color: #ffffff;
    overflow: hidden;
}

.ins-cta-banner::before {
    content: "";
    position: absolute;
    top: -50%;
    left: -20%;
    width: 600px;
    height: 600px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(232, 136, 67, 0.15) 0%, transparent 60%);
    pointer-events: none;
}

.ins-cta-content {
    position: relative;
    z-index: 2;
    text-align: center;
    max-width: 720px;
    margin: 0 auto;
}

.ins-cta-title {
    font-size: 2.35rem;
    font-weight: 800;
    color: #ffffff;
    margin-bottom: 16px;
    letter-spacing: -0.5px;
}

.ins-cta-text {
    font-size: 1.1rem;
    line-height: 1.65;
    color: rgba(255, 255, 255, 0.88);
    margin-bottom: 30px;
}

.ins-cta-actions {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: center;
    gap: 16px;
}

/* Responsive adjustments */
@media (max-width: 991px) {
    .ins-hero {
        padding: 145px 0 75px;
    }

    .ins-hero__title {
        font-size: 2.3rem;
    }

    .ins-hero__visual {
        margin-top: 40px;
    }

    .ins-about-right {
        padding-left: 0;
        margin-top: 40px;
    }

    .ins-trust-item {
        border-bottom: 1px solid var(--abs-gray-200);
    }
}

@media (max-width: 576px) {
    .ins-hero {
        padding: 130px 0 65px;
    }

    .ins-hero__title {
        font-size: 1.95rem;
    }

    .ins-hero__cta-group {
        flex-direction: column;
        align-items: stretch;
    }

    .ins-btn-primary,
    .ins-btn-secondary {
        justify-content: center;
    }

    .ins-filter-bar {
        border-radius: 20px;
        flex-direction: column;
        align-items: stretch;
    }

    .ins-search-box {
        min-width: 100%;
    }

    .ins-section-title {
        font-size: 1.85rem;
    }

    .ins-cta-title {
        font-size: 1.85rem;
    }
}