/* === 724 Insure - Main Stylesheet === */
:root {
  --primary: #0d47a1;
  --primary-dark: #0a2d6e;
  --primary-light: #1565c0;
  --accent: #e53935;
  --accent-light: #ef5350;
  --gold: #ffc107;
  --text: #1a1a2e;
  --text-light: #555;
  --bg: #f8faff;
  --white: #fff;
  --border: #e0e8f0;
  --shadow: 0 4px 24px rgba(13,71,161,0.10);
  --shadow-lg: 0 8px 40px rgba(13,71,161,0.18);
  --radius: 12px;
  --radius-lg: 20px;
  --transition: 0.25s cubic-bezier(.4,0,.2,1);
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Sarabun', 'IBM Plex Sans Thai', sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.65;
  font-size: 16px;
}

a { color: inherit; text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--primary); }

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

.container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

/* === Buttons === */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 12px 28px;
  border-radius: 50px;
  font-family: inherit;
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  text-decoration: none;
  white-space: nowrap;
}
.btn-primary { background: var(--primary); color: #fff; border-color: var(--primary); }
.btn-primary:hover { background: var(--primary-dark); border-color: var(--primary-dark); color: #fff; transform: translateY(-2px); box-shadow: 0 8px 24px rgba(13,71,161,0.35); }
.btn-outline { background: transparent; color: var(--primary); border-color: var(--primary); }
.btn-outline:hover { background: var(--primary); color: #fff; }
.btn-outline-primary { background: transparent; color: var(--primary); border-color: var(--primary); }
.btn-outline-primary:hover { background: var(--primary); color: #fff; }
.btn-white { background: #fff; color: var(--primary); border-color: #fff; }
.btn-white:hover { background: var(--bg); color: var(--primary-dark); }
.btn-outline-white { background: transparent; color: #fff; border-color: rgba(255,255,255,0.6); }
.btn-outline-white:hover { background: rgba(255,255,255,0.15); color: #fff; }
.btn-sm { padding: 8px 20px; font-size: 13px; }
.btn-lg { padding: 16px 36px; font-size: 17px; }
.w-full { width: 100%; }

/* === Topbar === */
.topbar {
  background: var(--primary-dark);
  padding: 12px 0;
  position: sticky; top: 0; z-index: 1000;
  box-shadow: 0 2px 12px rgba(0,0,0,0.2);
}
.topbar .container { display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.topbar-logo {
  font-size: 22px; font-weight: 800;
  color: #fff;
  letter-spacing: -0.5px;
  background: linear-gradient(135deg, #fff 0%, var(--gold) 100%);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
}
.topbar-right { display: flex; align-items: center; gap: 12px; }
.topbar-phone { color: rgba(255,255,255,0.85); font-size: 14px; font-weight: 500; }
.topbar-phone:hover { color: var(--gold); }
.mobile-menu-btn { display: none; background: none; border: 2px solid rgba(255,255,255,0.4); color: #fff; padding: 6px 12px; border-radius: 8px; font-size: 20px; cursor: pointer; }

/* === Main Navigation === */
.main-nav {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky; top: 52px; z-index: 900;
  box-shadow: 0 2px 12px rgba(13,71,161,0.07);
}
.main-nav .container { display: flex; }
.nav-links { display: flex; align-items: center; gap: 4px; }
.nav-item { position: relative; }
.nav-link {
  display: flex; align-items: center; gap: 4px;
  padding: 16px 18px;
  font-weight: 600; font-size: 15px; color: var(--text);
  white-space: nowrap;
  cursor: pointer;
  transition: color var(--transition);
  border-bottom: 3px solid transparent;
}
.nav-link:hover, .nav-item:hover > .nav-link { color: var(--primary); border-bottom-color: var(--primary); }
.nav-link .arrow { font-size: 10px; transition: transform var(--transition); }
.nav-item:hover > .nav-link .arrow { transform: rotate(180deg); }

/* === Mega Dropdown === */
.dropdown {
  position: absolute; top: 100%; left: 0;
  background: var(--white);
  border-radius: 0 0 var(--radius) var(--radius);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  border-top: none;
  opacity: 0; visibility: hidden; transform: translateY(-8px);
  transition: all var(--transition);
  z-index: 999;
}
.nav-item:hover > .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.mega-dropdown { width: 760px; }
.dropdown-inner { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; padding: 24px; }
.dropdown-col h4 { font-size: 12px; color: var(--primary); font-weight: 700; text-transform: uppercase; letter-spacing: 0.8px; margin-bottom: 12px; }
.dropdown-col a { display: block; padding: 7px 0; font-size: 14px; color: var(--text-light); font-weight: 400; transition: color var(--transition); }
.dropdown-col a:hover { color: var(--primary); padding-left: 4px; }

/* === Mobile Nav === */
.mobile-nav {
  position: fixed; top: 0; right: -320px; width: 300px; height: 100vh;
  background: var(--white); z-index: 9999;
  overflow-y: auto;
  transition: right var(--transition);
  box-shadow: -4px 0 20px rgba(0,0,0,0.15);
}
.mobile-nav.open { right: 0; }
.mobile-nav-header {
  display: flex; justify-content: space-between; align-items: center;
  padding: 16px 20px;
  background: var(--primary-dark); color: #fff;
  font-weight: 700; font-size: 16px;
}
.close-btn { background: none; border: none; color: #fff; font-size: 20px; cursor: pointer; }
.mobile-nav-links { padding: 16px; }
.mobile-section { margin-bottom: 16px; padding-bottom: 16px; border-bottom: 1px solid var(--border); }
.mobile-section h4 { font-size: 12px; color: var(--primary); font-weight: 700; text-transform: uppercase; margin-bottom: 8px; }
.mobile-section a { display: block; padding: 10px 0; font-size: 14px; color: var(--text); border-bottom: 1px solid rgba(0,0,0,0.04); }
.mobile-auth { display: flex; flex-direction: column; gap: 10px; padding: 16px 0; }
.overlay {
  position: fixed; inset: 0; background: rgba(0,0,0,0.5); z-index: 9998;
  opacity: 0; visibility: hidden; transition: all var(--transition);
}
.overlay.show { opacity: 1; visibility: visible; }

/* === Section Headers === */
.section-header { text-align: center; margin-bottom: 48px; }
.section-header h2 { font-size: 32px; font-weight: 800; color: var(--text); margin-bottom: 10px; }
.section-header p { font-size: 17px; color: var(--text-light); }
.section-header.light h2 { color: #fff; }
.section-header.light p { color: rgba(255,255,255,0.8); }

/* === Hero Section === */
.hero-section {
  position: relative;
  background: linear-gradient(160deg, var(--primary-dark) 0%, var(--primary) 60%, #1976d2 100%);
  min-height: 520px;
  display: flex; align-items: center;
  overflow: hidden;
  padding: 60px 0;
}
.hero-section::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-content {
  position: relative; z-index: 2;
  max-width: 580px;
  padding: 0 24px 0 calc((100vw - 1280px) / 2 + 24px);
}
.hero-content h1 { font-size: 42px; font-weight: 800; color: #fff; line-height: 1.2; margin-bottom: 12px; }
.hero-content h2 { font-size: 22px; font-weight: 400; color: rgba(255,255,255,0.85); margin-bottom: 32px; }
.hero-banner-slider {
  position: absolute; right: 0; top: 0; bottom: 0;
  width: 52%; overflow: hidden;
}
.slider-track { display: flex; height: 100%; transition: transform 0.6s ease; }
.slide {
  min-width: 100%; height: 100%;
  display: flex; align-items: flex-end;
  padding: 40px 48px;
}
.slide-content { color: #fff; }
.slide-tag {
  display: inline-block;
  background: var(--gold); color: var(--text);
  padding: 4px 14px; border-radius: 50px;
  font-size: 12px; font-weight: 700;
  margin-bottom: 14px;
}
.slide-content h3 { font-size: 24px; font-weight: 700; margin-bottom: 8px; }
.slide-content p { font-size: 15px; opacity: 0.85; margin-bottom: 20px; }
.slider-btn {
  position: absolute; top: 50%; transform: translateY(-50%);
  background: rgba(255,255,255,0.2); color: #fff;
  border: none; width: 44px; height: 44px; border-radius: 50%;
  font-size: 24px; cursor: pointer; backdrop-filter: blur(4px);
  transition: background var(--transition);
}
.slider-btn:hover { background: rgba(255,255,255,0.35); }
.slider-btn.prev { left: 16px; }
.slider-btn.next { right: 16px; }
.slider-dots { position: absolute; bottom: 16px; left: 50%; transform: translateX(-50%); display: flex; gap: 8px; }
.dot { width: 8px; height: 8px; border-radius: 50%; background: rgba(255,255,255,0.4); cursor: pointer; transition: all var(--transition); }
.dot.active { background: #fff; width: 24px; border-radius: 4px; }

/* === Insurance Grid === */
.insurance-grid-section { padding: 80px 0; background: var(--white); }
.insurance-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.insurance-card {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 20px;
  display: flex; flex-direction: column; align-items: center;
  text-align: center;
  transition: all var(--transition);
  cursor: pointer;
  position: relative;
  overflow: hidden;
}
.insurance-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--primary), var(--primary-light));
  opacity: 0; transition: opacity var(--transition);
}
.insurance-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--primary); color: var(--text); }
.insurance-card:hover::before { opacity: 1; }
.insurance-card.featured { background: linear-gradient(135deg, var(--primary), var(--primary-light)); color: #fff; border-color: var(--primary); }
.insurance-card.featured:hover { color: #fff; }
.card-icon { font-size: 40px; margin-bottom: 14px; }
.insurance-card h3 { font-size: 15px; font-weight: 700; margin-bottom: 6px; }
.insurance-card p { font-size: 13px; color: var(--text-light); flex: 1; }
.insurance-card.featured p { color: rgba(255,255,255,0.8); }
.card-arrow { margin-top: 14px; font-size: 18px; color: var(--primary); transition: transform var(--transition); }
.insurance-card:hover .card-arrow { transform: translateX(4px); }
.insurance-card.featured .card-arrow { color: rgba(255,255,255,0.8); }

/* === Quick Quote === */
.quick-quote-section {
  padding: 64px 0;
  background: linear-gradient(160deg, var(--primary-dark) 0%, var(--primary) 100%);
}
.quote-form-container {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 40px;
  box-shadow: var(--shadow-lg);
}
.quote-form .form-row {
  display: grid; grid-template-columns: repeat(5, 1fr);
  gap: 16px; align-items: end;
}
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group label { font-size: 13px; font-weight: 600; color: var(--text); }
.form-group select, .form-group input {
  padding: 12px 14px;
  border: 1.5px solid var(--border); border-radius: 10px;
  font-family: inherit; font-size: 14px;
  background: var(--bg);
  transition: border var(--transition), box-shadow var(--transition);
  width: 100%;
  color: var(--text);
}
.form-group select:focus, .form-group input:focus {
  outline: none; border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(13,71,161,0.12);
}

/* === Promotions === */
.promotions-section { padding: 80px 0; background: var(--bg); }
.promotions-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 24px; margin-bottom: 40px;
}
.promo-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  position: relative;
  overflow: hidden;
  transition: all var(--transition);
  display: flex; flex-direction: column;
}
.promo-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--primary-light); }
.promo-tag {
  position: absolute; top: 16px; right: 16px;
  background: var(--primary); color: #fff;
  font-size: 11px; font-weight: 700;
  padding: 3px 10px; border-radius: 50px;
}
.promo-emoji { font-size: 36px; margin-bottom: 14px; }
.promo-company { font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 8px; }
.promo-body h3 { font-size: 16px; font-weight: 700; margin-bottom: 10px; line-height: 1.4; }
.promo-body p { font-size: 13px; color: var(--text-light); flex: 1; }
.promo-link {
  display: inline-block; margin-top: 18px;
  color: var(--primary); font-weight: 600; font-size: 14px;
  transition: all var(--transition);
}
.promo-link:hover { color: var(--primary-dark); letter-spacing: 0.3px; }
.text-center { text-align: center; }
.mt-4 { margin-top: 16px; }

/* === Services Section === */
.services-section {
  padding: 80px 0;
  background: linear-gradient(160deg, var(--primary-dark) 0%, #1565c0 100%);
}
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.service-card {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  transition: all var(--transition);
  backdrop-filter: blur(8px);
}
.service-card:hover { background: rgba(255,255,255,0.15); transform: translateY(-4px); }
.service-icon { font-size: 40px; margin-bottom: 16px; }
.service-card h3 { font-size: 18px; font-weight: 700; color: #fff; margin-bottom: 10px; }
.service-card p { font-size: 14px; color: rgba(255,255,255,0.75); line-height: 1.7; margin-bottom: 16px; }
.service-link { color: var(--gold); font-weight: 600; font-size: 14px; }
.service-link:hover { color: #fff; }

/* === Why Section === */
.why-section { padding: 80px 0; background: var(--white); }
.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.why-card { padding: 32px 28px; border-radius: var(--radius-lg); background: var(--bg); border: 1px solid var(--border); transition: all var(--transition); }
.why-card:hover { box-shadow: var(--shadow); transform: translateY(-4px); border-color: var(--primary); }
.why-number { font-size: 48px; font-weight: 900; color: rgba(13,71,161,0.12); line-height: 1; margin-bottom: 12px; }
.why-card h3 { font-size: 18px; font-weight: 700; margin-bottom: 10px; color: var(--primary); }
.why-card p { font-size: 14px; color: var(--text-light); line-height: 1.7; }

/* === Partners === */
.partners-section { padding: 60px 0; background: var(--bg); border-top: 1px solid var(--border); }
.partners-grid { display: flex; flex-wrap: wrap; gap: 24px; justify-content: center; }
.partner-logo { display: flex; flex-direction: column; align-items: center; gap: 8px; }
.partner-abbr {
  width: 72px; height: 72px; border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  color: #fff; font-weight: 800; font-size: 16px;
  letter-spacing: -0.5px;
  box-shadow: 0 4px 12px rgba(0,0,0,0.2);
}
.partner-logo span { font-size: 12px; color: var(--text-light); font-weight: 500; text-align: center; max-width: 80px; }

/* === Testimonials === */
.testimonials-section {
  padding: 80px 0;
  background: linear-gradient(160deg, var(--primary) 0%, #0d47a1 100%);
}
.testimonials-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.testimonial-card {
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--radius-lg); padding: 28px 24px;
  backdrop-filter: blur(8px);
}
.stars { font-size: 14px; margin-bottom: 12px; }
.testimonial-card p { font-size: 14px; color: rgba(255,255,255,0.9); line-height: 1.7; margin-bottom: 20px; font-style: italic; }
.reviewer { display: flex; align-items: center; gap: 12px; }
.reviewer-avatar {
  width: 42px; height: 42px; border-radius: 50%;
  background: var(--gold); color: var(--text);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 18px; flex-shrink: 0;
}
.reviewer strong { display: block; font-size: 14px; color: #fff; margin-bottom: 2px; }
.reviewer span { font-size: 12px; color: rgba(255,255,255,0.65); }

/* === Articles === */
.articles-section { padding: 80px 0; background: var(--bg); }
.section-header { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; margin-bottom: 36px; }
.section-header h2 { margin-bottom: 0; }
.see-all { color: var(--primary); font-weight: 600; font-size: 14px; }
.articles-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.article-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg);
  overflow: hidden; transition: all var(--transition);
  display: flex; align-items: stretch;
}
.article-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); border-color: var(--primary-light); }
.article-emoji { font-size: 40px; padding: 24px; background: var(--bg); display: flex; align-items: center; justify-content: center; min-width: 80px; }
.article-body { padding: 20px; flex: 1; }
.article-cat { display: inline-block; background: rgba(13,71,161,0.08); color: var(--primary); font-size: 11px; font-weight: 700; padding: 3px 10px; border-radius: 50px; margin-bottom: 8px; text-transform: uppercase; }
.article-body h3 { font-size: 15px; font-weight: 700; line-height: 1.4; margin-bottom: 8px; }
.article-date { font-size: 12px; color: var(--text-light); }
.article-link { padding: 20px 16px; color: var(--primary); font-weight: 600; font-size: 13px; display: flex; align-items: center; white-space: nowrap; }

/* === CTA Section === */
.cta-section {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--accent) 0%, #b71c1c 100%);
}
.cta-content { text-align: center; }
.cta-content h2 { font-size: 36px; font-weight: 800; color: #fff; margin-bottom: 12px; }
.cta-content p { font-size: 18px; color: rgba(255,255,255,0.85); margin-bottom: 36px; }
.cta-buttons { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* === Footer === */
.main-footer { background: #0a1628; color: rgba(255,255,255,0.75); padding: 64px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 48px; }
.footer-logo { font-size: 26px; font-weight: 800; color: #fff; margin-bottom: 14px; }
.brand-col p { font-size: 13px; line-height: 1.8; margin-bottom: 20px; }
.footer-contact { display: flex; flex-direction: column; gap: 8px; margin-bottom: 20px; }
.contact-link { font-size: 14px; color: rgba(255,255,255,0.8); }
.contact-link:hover { color: var(--gold); }
.social-links { display: flex; gap: 10px; }
.social-btn {
  padding: 7px 14px; border-radius: 8px; font-size: 12px; font-weight: 600;
  border: 1px solid rgba(255,255,255,0.2); color: rgba(255,255,255,0.8);
  transition: all var(--transition);
}
.social-btn:hover { background: rgba(255,255,255,0.1); color: #fff; }
.social-btn.line { background: #00b900; border-color: #00b900; color: #fff; }
.footer-col h4 { font-size: 14px; font-weight: 700; color: #fff; margin-bottom: 16px; text-transform: uppercase; letter-spacing: 0.5px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a { font-size: 13px; color: rgba(255,255,255,0.65); transition: color var(--transition); }
.footer-col ul li a:hover { color: var(--gold); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding: 20px 0; }
.footer-bottom p { text-align: center; font-size: 13px; color: rgba(255,255,255,0.45); }
.footer-bottom a { color: rgba(255,255,255,0.55); margin: 0 4px; }
.footer-bottom a:hover { color: var(--gold); }

/* === Float Buttons === */
.float-buttons {
  position: fixed; bottom: 24px; right: 24px;
  display: flex; flex-direction: column; gap: 12px; z-index: 999;
}
.float-btn {
  width: 52px; height: 52px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 13px; font-weight: 700;
  cursor: pointer; border: none;
  box-shadow: 0 4px 16px rgba(0,0,0,0.25);
  transition: all var(--transition);
}
.float-btn:hover { transform: scale(1.1); }
.line-btn { background: #00b900; color: #fff; }
.phone-btn { background: var(--primary); color: #fff; font-size: 20px; }
.scroll-top { background: rgba(255,255,255,0.9); color: var(--text); font-size: 18px; font-weight: 700; opacity: 0; pointer-events: none; }
.scroll-top.show { opacity: 1; pointer-events: all; }

/* === Inner Pages === */
.page-hero {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
  padding: 64px 0;
  color: #fff;
}
.page-hero h1 { font-size: 38px; font-weight: 800; margin-bottom: 12px; }
.page-hero p { font-size: 18px; opacity: 0.85; }
.breadcrumb { display: flex; gap: 8px; font-size: 13px; color: rgba(255,255,255,0.6); margin-bottom: 16px; }
.breadcrumb a { color: rgba(255,255,255,0.7); }
.breadcrumb span { color: rgba(255,255,255,0.4); }

.page-content { padding: 64px 0; }
.card {
  background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: 32px; margin-bottom: 24px;
  box-shadow: var(--shadow);
}
.card h2 { font-size: 22px; font-weight: 700; margin-bottom: 16px; color: var(--primary); }
.card p { font-size: 15px; line-height: 1.8; color: var(--text-light); margin-bottom: 14px; }
.card ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.card ul li { font-size: 14px; color: var(--text-light); padding-left: 20px; position: relative; }
.card ul li::before { content: '✓'; position: absolute; left: 0; color: var(--primary); font-weight: 700; }

/* === Plans Grid === */
.plans-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin: 40px 0; }
.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.popular { border-color: var(--primary); }
.plan-card.popular::before { content: 'ยอดนิยม'; position: absolute; top: -14px; left: 50%; transform: translateX(-50%); background: var(--primary); color: #fff; font-size: 12px; font-weight: 700; padding: 4px 16px; border-radius: 50px; }
.plan-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.plan-name { font-size: 20px; font-weight: 700; margin-bottom: 8px; }
.plan-price { font-size: 40px; font-weight: 900; color: var(--primary); margin-bottom: 4px; }
.plan-price span { font-size: 16px; font-weight: 400; color: var(--text-light); }
.plan-features { list-style: none; text-align: left; margin: 20px 0; display: flex; flex-direction: column; gap: 10px; }
.plan-features li { font-size: 14px; color: var(--text-light); padding-left: 20px; position: relative; }
.plan-features li::before { content: '✓'; position: absolute; left: 0; color: #2e7d32; font-weight: 700; }

/* === Form Styles === */
.form-container { max-width: 600px; margin: 0 auto; }
.form-title { font-size: 28px; font-weight: 800; margin-bottom: 8px; }
.form-subtitle { color: var(--text-light); margin-bottom: 32px; }
.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.form-group-full { grid-column: 1/-1; }
.form-group textarea {
  padding: 12px 14px; border: 1.5px solid var(--border); border-radius: 10px;
  font-family: inherit; font-size: 14px; resize: vertical; min-height: 120px; width: 100%;
  color: var(--text); background: var(--bg);
}
.form-check { display: flex; align-items: flex-start; gap: 10px; }
.form-check input { margin-top: 3px; }
.form-check label { font-size: 14px; color: var(--text-light); }
.alert { padding: 16px 20px; border-radius: 10px; font-size: 14px; margin-bottom: 20px; }
.alert-success { background: #e8f5e9; color: #2e7d32; border: 1px solid #a5d6a7; }
.alert-error { background: #ffebee; color: #c62828; border: 1px solid #ef9a9a; }

/* === Tabs === */
.tabs { display: flex; gap: 4px; border-bottom: 2px solid var(--border); margin-bottom: 32px; }
.tab-btn {
  padding: 12px 24px; font-size: 15px; font-weight: 600;
  color: var(--text-light); border: none; background: none; cursor: pointer;
  border-bottom: 3px solid transparent; margin-bottom: -2px;
  transition: all var(--transition);
}
.tab-btn.active { color: var(--primary); border-bottom-color: var(--primary); }
.tab-content { display: none; }
.tab-content.active { display: block; }

/* === Table === */
.table-wrap { overflow-x: auto; border-radius: var(--radius); border: 1px solid var(--border); }
table { width: 100%; border-collapse: collapse; font-size: 14px; }
thead { background: var(--primary); color: #fff; }
thead th { padding: 14px 16px; text-align: left; font-weight: 600; }
tbody tr:nth-child(even) { background: var(--bg); }
tbody td { padding: 14px 16px; border-bottom: 1px solid var(--border); color: var(--text-light); }
tbody tr:hover { background: rgba(13,71,161,0.04); }

/* === Responsive === */
@media (max-width: 1024px) {
  .insurance-grid { grid-template-columns: repeat(3, 1fr); }
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero-content h1 { font-size: 32px; }
  .hero-banner-slider { width: 44%; }
  .quote-form .form-row { grid-template-columns: repeat(3, 1fr); }
  .dropdown-inner { grid-template-columns: repeat(2, 1fr); }
  .mega-dropdown { width: 480px; }
}

@media (max-width: 768px) {
  .main-nav { display: none; }
  .mobile-menu-btn { display: block; }
  .topbar-right .btn { display: none; }
  .topbar-right .topbar-phone { font-size: 13px; }
  .hero-section { flex-direction: column; min-height: auto; }
  .hero-content { padding: 40px 24px; }
  .hero-content h1 { font-size: 28px; }
  .hero-banner-slider { position: relative; width: 100%; height: 280px; }
  .insurance-grid { grid-template-columns: repeat(2, 1fr); }
  .promotions-grid { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .articles-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
  .quote-form .form-row { grid-template-columns: 1fr; }
  .plans-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .section-header { text-align: center; }
  .section-header h2 { font-size: 24px; }
  .cta-content h2 { font-size: 26px; }
}

@media (max-width: 480px) {
  .insurance-grid { grid-template-columns: repeat(2, 1fr); gap: 12px; }
  .insurance-card { padding: 18px 12px; }
  .card-icon { font-size: 28px; }
  .container { padding: 0 16px; }
}