/* ============================================================
   LIC Delhi — shared stylesheet (loaded by every page)
   Palette & type mirror the LIC India homepage:
     navy  #00417c primary · #114e85 hover · #002978 darkest
     amber #ffc107 / #ffcb08 accent · #f9c83f hover
     type  Arial / Helvetica system sans (matches LIC India)
     radius 10px (LIC India signature rounding)
   Performance notes:
     - No blink/shake/infinite animations (the source site's slow feel
       came from those). Transitions are short (.12–.18s) and used only
       on interactive elements.
     - Section padding is tightened so pages don't feel empty/slow.
============================================================ */

:root{
  --navy-900:#002978;
  --navy-800:#00417c;
  --navy-700:#114e85;
  --navy-600:#00529c;
  --navy-100:#E3ECF5;

  --gold-500:#ffc107;
  --gold-600:#ffcb08;
  --gold-hover:#f9c83f;
  --gold-100:#FFF3D1;

  --paper:#FFFFFF;
  --mist:#F5F7FA;
  --line:#DEDEDE;

  --ink:#1A1D24;
  --ink-soft:#4A505C;
  --ink-faint:#7A8290;

  --font-body:Arial, Helvetica, 'Segoe UI', sans-serif;
  --font-display:Arial, Helvetica, 'Segoe UI', sans-serif;
  --font-mono:'Consolas', 'Courier New', monospace;

  --container:1140px;
  --radius:10px;
  --radius-sm:6px;
}

/* ---------- reset / base ---------- */
*,*::before,*::after{ box-sizing:border-box; margin:0; padding:0; }
html{ scroll-behavior:smooth; }
@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior:auto; }
  *,*::before,*::after{ animation-duration:.01ms !important; animation-iteration-count:1 !important; transition-duration:.01ms !important; }
}
body{
  font-family:var(--font-body);
  color:var(--ink);
  background:var(--paper);
  line-height:1.55;
  -webkit-font-smoothing:antialiased;
}
img,svg{ display:block; max-width:100%; }
a{ color:inherit; text-decoration:none; }
ul{ list-style:none; }
button{ font:inherit; cursor:pointer; border:none; background:none; color:inherit; }
input,textarea,select{ font:inherit; }
h1,h2,h3,h4{ font-family:var(--font-display); font-weight:700; line-height:1.18; color:var(--navy-900); }
.container{ max-width:var(--container); margin:0 auto; padding:0 24px; }
:focus-visible{ outline:3px solid var(--gold-500); outline-offset:2px; }

/* Tighter section rhythm than the source site (kills the "empty/slow" feel) */
section{ padding:64px 0; }
@media (max-width:720px){ section{ padding:44px 0; } }

.eyebrow{
  font-family:var(--font-mono);
  font-size:12.5px; letter-spacing:.14em; text-transform:uppercase;
  color:var(--navy-800); font-weight:700;
}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:8px;
  padding:13px 26px; border-radius:var(--radius);
  font-weight:700; font-size:15px;
  transition:background-color .15s ease, color .15s ease, border-color .15s ease;
  white-space:nowrap;
}
.btn-primary{ background:var(--navy-800); color:#fff; }
.btn-primary:hover{ background:var(--navy-900); }
.btn-gold{ background:var(--gold-500); color:var(--navy-900); }
.btn-gold:hover{ background:var(--gold-hover); }
.btn-outline-light{ border:2px solid rgba(255,255,255,.55); color:#fff; }
.btn-outline-light:hover{ border-color:#fff; background:rgba(255,255,255,.1); }
.btn-outline-dark{ border:2px solid var(--navy-800); color:var(--navy-800); }
.btn-outline-dark:hover{ background:var(--navy-100); }
.btn-whatsapp{ background:#25D366; color:#0b3d1e; }
.btn-whatsapp:hover{ background:#1eb955; color:#0b3d1e; }
.btn-whatsapp svg{ width:18px; height:18px; }

/* ---------- header / nav ---------- */
.site-header{ position:sticky; top:0; z-index:100; background:var(--paper); border-bottom:1px solid var(--line); box-shadow:0 1px 4px rgba(0,0,0,.04); }
.nav{ display:flex; align-items:center; justify-content:space-between; padding:12px 24px; max-width:var(--container); margin:0 auto; }
.brand{ display:flex; align-items:center; gap:11px; }
.brand-logo{ height:44px; width:auto; }
.brand-text{ font-family:var(--font-display); font-weight:700; font-size:18px; color:var(--navy-900); line-height:1.1; }
.brand-text small{ display:block; font-size:11px; font-weight:600; color:var(--ink-faint); letter-spacing:.04em; text-transform:uppercase; }

.nav-menu{ display:flex; gap:4px; align-items:center; }
.nav-item{ position:relative; }
.nav-item > a{ white-space:nowrap;
  display:flex; align-items:center; gap:5px;
  font-size:14.5px; font-weight:600; color:var(--ink-soft);
  padding:10px 14px; border-radius:var(--radius-sm);
  transition:color .12s ease, background-color .12s ease;
}
.nav-item > a:hover, .nav-item.active > a{ color:var(--navy-800); background:var(--navy-100); }
.nav-item .caret{ width:9px; height:9px; border-right:2px solid currentColor; border-bottom:2px solid currentColor; transform:rotate(45deg) translateY(-2px); opacity:.6; }

/* dropdown */
.dropdown{
  position:absolute; top:calc(100% + 4px); left:0;
  min-width:230px; background:#fff;
  border:1px solid var(--line); border-radius:var(--radius);
  box-shadow:0 10px 30px rgba(0,0,0,.12);
  padding:8px; opacity:0; visibility:hidden; transform:translateY(-6px);
  transition:opacity .14s ease, transform .14s ease, visibility .14s;
}
.nav-item:hover .dropdown, .nav-item:focus-within .dropdown{ opacity:1; visibility:visible; transform:translateY(0); }
.dropdown a{ display:block; padding:9px 12px; font-size:14px; color:var(--ink-soft); border-radius:var(--radius-sm); transition:background-color .12s, color .12s; }
.dropdown a:hover{ background:var(--navy-100); color:var(--navy-800); }

.nav-cta{ display:flex; align-items:center; gap:14px; flex-shrink:0; }
.nav-phone{ display:flex; align-items:center; gap:7px; font-weight:700; font-size:14px; color:var(--navy-800); white-space:nowrap; flex-shrink:0; }
.nav-phone span{ white-space:nowrap; }
.nav-phone svg{ width:15px; height:15px; }
.nav-toggle{ display:none; width:42px; height:42px; align-items:center; justify-content:center; border-radius:var(--radius-sm); }
.nav-toggle svg{ width:22px; height:22px; }

@media (max-width:1040px){
  .nav-menu{
    position:absolute; top:100%; left:0; right:0; background:#fff;
    flex-direction:column; align-items:stretch; gap:0;
    border-bottom:1px solid var(--line); padding:8px 16px 18px;
    box-shadow:0 12px 24px rgba(0,0,0,.1);
    display:none;
  }
  .nav-menu.open{ display:flex; }
  .nav-item > a{ padding:12px 8px; border-radius:0; border-bottom:1px solid var(--line); }
  .nav-item .caret{ margin-left:auto; }
  .dropdown{
    position:static; opacity:1; visibility:visible; transform:none;
    box-shadow:none; border:none; border-radius:0; padding:0 0 6px 14px;
    display:none;
  }
  .nav-item.open-sub .dropdown{ display:block; }
  .nav-phone{ display:none; }
  .nav-toggle{ display:flex; }
}

/* ---------- section heads ---------- */
.section-head{ max-width:640px; margin-bottom:40px; }
.section-head.centered{ margin-left:auto; margin-right:auto; text-align:center; }
.section-head h2{ font-size:clamp(25px,2.8vw,34px); margin:11px 0 12px; }
.section-head p{ color:var(--ink-soft); font-size:16px; }

/* ---------- page hero (interior pages) ---------- */
.page-hero{ background:linear-gradient(180deg,var(--navy-900),var(--navy-800)); color:#fff; padding:52px 0; position:relative; overflow:hidden; }
.page-hero .container{ position:relative; z-index:2; }
.page-hero .crumb{ font-size:13px; color:rgba(255,255,255,.65); margin-bottom:10px; }
.page-hero .crumb a:hover{ color:var(--gold-500); }
.page-hero h1{ color:#fff; font-size:clamp(28px,3.6vw,42px); max-width:20ch; }
.page-hero p{ color:rgba(255,255,255,.82); font-size:17px; max-width:56ch; margin-top:14px; }
.page-hero-arc{ position:absolute; right:-120px; top:-120px; opacity:.5; pointer-events:none; }

/* ---------- generic content cards ---------- */
.card-grid{ display:grid; gap:22px; }
.card-grid.cols-4{ grid-template-columns:repeat(4,1fr); }
.card-grid.cols-3{ grid-template-columns:repeat(3,1fr); }
.card-grid.cols-2{ grid-template-columns:repeat(2,1fr); }
.info-card{
  background:#fff; border:1px solid var(--line); border-top:3px solid var(--gold-500);
  border-radius:var(--radius); padding:26px 24px;
}
.info-card h3{ font-size:17px; margin-bottom:9px; }
.info-card p{ font-size:14.5px; color:var(--ink-soft); }
.info-icon{ width:44px; height:44px; display:flex; align-items:center; justify-content:center; background:var(--navy-800); border-radius:50%; margin-bottom:16px; }
.info-icon svg{ width:22px; height:22px; stroke:#fff; }
@media (max-width:960px){ .card-grid.cols-4{ grid-template-columns:repeat(2,1fr); } .card-grid.cols-3{ grid-template-columns:repeat(2,1fr); } }
@media (max-width:560px){ .card-grid.cols-4,.card-grid.cols-3,.card-grid.cols-2{ grid-template-columns:1fr; } }

/* ---------- prose blocks ---------- */
.prose{ max-width:760px; }
.prose p{ font-size:16px; color:var(--ink-soft); margin-bottom:16px; }
.prose h3{ font-size:20px; margin:26px 0 12px; }
.lead-para{ font-size:18px !important; color:var(--ink) !important; }

/* ---------- plan list ---------- */
.plan-list{ display:grid; grid-template-columns:repeat(2,1fr); gap:14px; margin-top:8px; }
.plan-list li{
  display:flex; align-items:flex-start; gap:11px;
  padding:14px 16px; background:#fff; border:1px solid var(--line);
  border-left:3px solid var(--navy-800); border-radius:var(--radius-sm);
  font-size:14.5px; color:var(--ink-soft);
}
.plan-list li strong{ color:var(--ink); font-weight:700; }
@media (max-width:640px){ .plan-list{ grid-template-columns:1fr; } }

/* ---------- data table (withdrawn plans) ---------- */
.year-block{ margin-bottom:34px; }
.year-block h3{ font-size:17px; color:var(--navy-800); margin-bottom:12px; padding-bottom:8px; border-bottom:2px solid var(--gold-500); display:inline-block; }
.data-table{ width:100%; border-collapse:collapse; font-size:14px; }
.data-table thead th{ background:var(--navy-800); color:#fff; text-align:left; padding:10px 12px; font-weight:600; }
.data-table thead th:first-child{ border-radius:var(--radius-sm) 0 0 0; }
.data-table thead th:last-child{ border-radius:0 var(--radius-sm) 0 0; }
.data-table td{ padding:9px 12px; border-bottom:1px solid var(--line); color:var(--ink-soft); }
.data-table tbody tr:nth-child(even){ background:var(--mist); }
.table-scroll{ overflow-x:auto; }

/* ---------- steps (become an agent / guidelines) ---------- */
.steps{ display:grid; grid-template-columns:repeat(5,1fr); gap:18px; counter-reset:step; }
.step{ position:relative; padding-top:50px; }
.step::before{
  counter-increment:step; content:counter(step);
  font-family:var(--font-mono); font-weight:700; font-size:15px;
  position:absolute; top:0; left:0; width:38px; height:38px;
  display:flex; align-items:center; justify-content:center;
  border:2px solid var(--navy-800); color:var(--navy-800);
  border-radius:50%; background:#fff;
}
.step:not(:last-child)::after{ content:''; position:absolute; top:19px; left:38px; width:calc(100% - 30px); height:2px; background:var(--line); }
.step h4{ font-size:15px; margin-bottom:6px; }
.step p{ font-size:13.5px; color:var(--ink-soft); }
@media (max-width:900px){ .steps{ grid-template-columns:1fr 1fr; } .step:not(:last-child)::after{ display:none; } }
@media (max-width:560px){ .steps{ grid-template-columns:1fr; } }

/* ---------- docs & fees ---------- */
.docs-fees{ display:grid; grid-template-columns:1fr 1fr; gap:30px; background:var(--mist); border:1px solid var(--line); border-radius:var(--radius); padding:34px; margin-top:12px; }
.docs-fees h3{ font-size:17px; margin-bottom:16px; }
.check-list li{ position:relative; padding-left:26px; margin-bottom:11px; font-size:14.5px; color:var(--ink-soft); }
.check-list li::before{ content:''; position:absolute; left:0; top:5px; width:14px; height:14px; border-radius:50%; background:var(--navy-800); }
.check-list li::after{ content:''; position:absolute; left:4px; top:8px; width:6px; height:3px; border-left:1.5px solid #fff; border-bottom:1.5px solid #fff; transform:rotate(-45deg); }
.fee-list li{ display:flex; justify-content:space-between; padding:10px 0; border-bottom:1px solid var(--line); font-size:14.5px; color:var(--ink-soft); }
.fee-list li.fee-total{ border-bottom:none; border-top:2px solid var(--navy-800); margin-top:4px; padding-top:13px; font-weight:700; color:var(--navy-900); font-size:16px; }
.fee-note{ margin-top:13px; font-size:12.5px; color:var(--ink-faint); }
@media (max-width:760px){ .docs-fees{ grid-template-columns:1fr; padding:26px 22px; } }

/* ---------- CTA band ---------- */
.cta-band{ background:var(--navy-800); color:#fff; text-align:center; }
.cta-band h2{ color:#fff; font-size:clamp(24px,3vw,32px); margin-bottom:12px; }
.cta-band p{ color:rgba(255,255,255,.82); font-size:16px; max-width:52ch; margin:0 auto 26px; }

/* ---------- lead form ---------- */
.lead-grid{ display:grid; grid-template-columns:1fr 1fr; border:1px solid var(--line); border-radius:var(--radius); overflow:hidden; }
.lead-panel{ background:var(--navy-900); color:#fff; padding:44px 40px; }
.lead-panel h2{ color:#fff; font-size:26px; margin-bottom:14px; }
.lead-panel p{ color:rgba(255,255,255,.8); font-size:15px; margin-bottom:26px; }
.lead-contact{ display:flex; flex-direction:column; gap:15px; }
.lead-contact-item{ display:flex; gap:12px; align-items:flex-start; font-size:14.5px; }
.lead-contact-item svg{ width:19px; height:19px; stroke:var(--gold-500); flex-shrink:0; margin-top:2px; }
.lead-form-wrap{ padding:44px 40px; }
.field{ margin-bottom:18px; }
.field label{ display:block; font-size:13.5px; font-weight:700; margin-bottom:6px; color:var(--ink-soft); }
.field input,.field textarea{ width:100%; padding:11px 13px; border:1.5px solid var(--line); border-radius:var(--radius-sm); font-size:15px; color:var(--ink); background:#fff; transition:border-color .12s ease; }
.field input:focus,.field textarea:focus{ border-color:var(--navy-800); }
.field-row{ display:grid; grid-template-columns:1fr 1fr; gap:14px; }
.form-note{ font-size:12.5px; color:var(--ink-faint); margin-top:12px; }
.form-success{ display:none; background:var(--navy-100); border:1px solid var(--navy-600); color:var(--navy-900); padding:15px 17px; border-radius:var(--radius-sm); font-size:14.5px; margin-bottom:18px; }
.form-success.visible{ display:block; }
@media (max-width:860px){ .lead-grid{ grid-template-columns:1fr; } .lead-panel,.lead-form-wrap{ padding:34px 24px; } .field-row{ grid-template-columns:1fr; } }

/* ---------- group insurance: audience tiles ---------- */
.audience-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:22px; }
.audience-card{
  position:relative; background:#fff; border:1px solid var(--line);
  border-radius:var(--radius); overflow:hidden; display:flex; flex-direction:column;
  transition:box-shadow .15s ease, transform .15s ease;
}
.audience-card:hover{ box-shadow:0 12px 30px rgba(0,65,124,.12); transform:translateY(-2px); }
.audience-top{ background:linear-gradient(135deg,var(--navy-800),var(--navy-900)); color:#fff; padding:26px 24px; }
.audience-top .info-icon{ background:var(--gold-500); margin-bottom:14px; }
.audience-top .info-icon svg{ stroke:var(--navy-900); }
.audience-top h3{ color:#fff; font-size:19px; }
.audience-body{ padding:22px 24px; flex-grow:1; display:flex; flex-direction:column; }
.audience-body p{ font-size:14.5px; color:var(--ink-soft); margin-bottom:14px; }
.audience-body ul{ margin-bottom:18px; }
.audience-body ul li{ position:relative; padding-left:22px; font-size:14px; color:var(--ink-soft); margin-bottom:8px; }
.audience-body ul li::before{ content:''; position:absolute; left:0; top:6px; width:12px; height:12px; border-radius:50%; background:var(--navy-100); border:2px solid var(--navy-800); }
.audience-body .btn{ margin-top:auto; }
@media (max-width:900px){ .audience-grid{ grid-template-columns:1fr; } }

/* ---------- scheme rows (corporate schemes: gratuity, superannuation, etc.) ---------- */
.scheme-list{ display:flex; flex-direction:column; gap:16px; margin-top:8px; }
.scheme-item{
  display:grid; grid-template-columns:auto 1fr; gap:18px; align-items:start;
  background:#fff; border:1px solid var(--line); border-left:3px solid var(--gold-500);
  border-radius:var(--radius); padding:22px 24px;
}
.scheme-item .info-icon{ margin:0; width:40px; height:40px; }
.scheme-item h3{ font-size:17px; margin-bottom:6px; }
.scheme-item p{ font-size:14.5px; color:var(--ink-soft); }
@media (max-width:560px){ .scheme-item{ grid-template-columns:1fr; } }

/* ---------- floating WhatsApp button (all pages) ---------- */
.wa-float{
  position:fixed; right:20px; bottom:20px; z-index:200;
  display:flex; align-items:center; gap:10px;
  background:#25D366; color:#fff; font-weight:700; font-size:14.5px;
  padding:13px 18px; border-radius:100px;
  box-shadow:0 6px 20px rgba(0,0,0,.25);
  transition:background .15s ease, transform .12s ease;
}
.wa-float:hover{ background:#1eb955; transform:translateY(-1px); }
.wa-float svg{ width:22px; height:22px; }
.wa-float .wa-label{ display:inline; }
@media (max-width:560px){ .wa-float{ padding:14px; } .wa-float .wa-label{ display:none; } }

/* ---------- footer ---------- */
.site-footer{ background:var(--ink); color:rgba(255,255,255,.75); padding:56px 0 0; }
.footer-grid{ display:grid; grid-template-columns:1.5fr 1fr 1fr; gap:40px; padding-bottom:40px; }
.footer-brand .brand-logo{ height:48px; background:#fff; padding:6px 10px; border-radius:var(--radius-sm); }
.footer-brand p{ font-size:14px; margin-top:16px; color:rgba(255,255,255,.6); max-width:40ch; }
.footer-col h5{ font-size:13px; letter-spacing:.06em; text-transform:uppercase; color:var(--gold-500); margin-bottom:15px; }
.footer-col ul li{ margin-bottom:9px; font-size:14.5px; }
.footer-col ul li a:hover{ color:#fff; }
.footer-locations{ display:grid; grid-template-columns:repeat(3,1fr); gap:30px; border-top:1px solid rgba(255,255,255,.12); padding:30px 0; }
.footer-location h5{ font-size:12.5px; letter-spacing:.06em; text-transform:uppercase; color:var(--gold-500); margin-bottom:9px; }
.footer-location p{ font-size:14px; line-height:1.6; color:rgba(255,255,255,.6); }
.disclaimer{ max-width:var(--container); margin:0 auto 22px; font-size:12px; line-height:1.6; color:rgba(255,255,255,.4); padding:0 24px; }
.footer-bottom{ border-top:1px solid rgba(255,255,255,.12); padding:20px 0; display:flex; justify-content:space-between; flex-wrap:wrap; gap:10px; font-size:12.5px; color:rgba(255,255,255,.45); }
@media (max-width:760px){ .footer-grid,.footer-locations{ grid-template-columns:1fr; gap:26px; } }

/* ---------- WhatsApp desktop chooser modal ---------- */
.wa-modal-overlay{
  position:fixed; inset:0; z-index:300;
  background:rgba(10,20,40,.55);
  display:none; align-items:center; justify-content:center;
  padding:20px;
}
.wa-modal-overlay.open{ display:flex; }
.wa-modal{
  background:#fff; border-radius:var(--radius);
  max-width:430px; width:100%;
  padding:28px 26px 24px;
  box-shadow:0 24px 60px rgba(0,0,0,.3);
  position:relative;
  text-align:center;
}
.wa-modal h3{ font-size:19px; margin-bottom:6px; }
.wa-modal .wa-sub{ font-size:13.5px; color:var(--ink-soft); margin-bottom:18px; }
.wa-modal .wa-close{
  position:absolute; top:10px; right:10px;
  width:34px; height:34px; border-radius:50%;
  display:flex; align-items:center; justify-content:center;
  color:var(--ink-faint); font-size:20px; line-height:1;
}
.wa-modal .wa-close:hover{ background:var(--mist); color:var(--ink); }
.wa-qr-wrap{ margin-bottom:16px; }
.wa-qr{ display:flex; justify-content:center; margin-bottom:8px; }
.wa-qr img, .wa-qr canvas{ border:1px solid var(--line); border-radius:8px; padding:8px; background:#fff; }
.wa-qr-hint{ font-size:12.5px; color:var(--ink-faint); }
.wa-modal-actions{ display:flex; flex-direction:column; gap:10px; margin-top:6px; }
.wa-modal-actions .btn{ width:100%; }
.wa-copy-done{ font-size:12.5px; color:#1a7f37; margin-top:8px; display:none; }
.wa-copy-done.show{ display:block; }

/* ---------- illustrations / photo slots ----------
   The .media-band images are original SVG illustrations (assets/img-*.svg).
   TO SWAP IN A REAL PHOTO: replace the src with your own file, e.g.
     <img class="media-band" src="assets/photo-corporate.jpg" alt="...">
   Aim for roughly 3:2 landscape (e.g. 1200x800) and keep it under ~200KB.
   Use photos you own or have licensed - not images found via search. */
.media-band{
  width:100%;
  aspect-ratio:400/260;
  object-fit:cover;
  display:block;
  background:var(--navy-100);
}
.audience-card .media-band{ border-bottom:3px solid var(--gold-500); }

.media-split{
  display:grid; grid-template-columns:1.05fr .95fr; gap:36px; align-items:center;
}
.media-split img{
  width:100%; border-radius:var(--radius); border:1px solid var(--line);
  aspect-ratio:400/260; object-fit:cover;
}
@media (max-width:820px){
  .media-split{ grid-template-columns:1fr; gap:24px; }
  .media-split .media-col{ order:-1; }
}

/* ---------- header fit (fix: brand text was being squeezed to 4 lines) ----------
   Brand + phone + WhatsApp keep their natural width; the nav links give up
   padding first as the screen narrows, then the phone number hides. */
.brand{ flex-shrink:0; }
.brand-text{ white-space:nowrap; }
.nav{ gap:12px; max-width:1280px; }
.nav-menu{ min-width:0; }
/* measured: full spacing + phone needs ~1185px, compact + phone ~1120px, compact alone ~975px */
@media (max-width:1279px){ .nav-item > a{ padding:10px 9px; font-size:14px; } }
@media (max-width:1199px) and (min-width:1041px){ .nav-phone{ display:none; } }
@media (max-width:600px){
  .nav{ padding:10px 16px; }
  .nav-cta .btn-whatsapp{ display:none; }   /* floating WhatsApp button covers mobile */
  .brand-logo{ height:38px; }
  .brand-text{ font-size:16px; }
}