body 
  {
    font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
    line-height: 1.6;
    scroll-behavior: smooth;
    padding-bottom: 50px;
  }

  /* Hero Section */
  #hero {
    position: relative;
    padding: 60px 15px;
    color: white;
    overflow: hidden;
  }

  /* Hero Container */
  .hero-container {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    justify-content: center;
    gap: 30px;
    flex-wrap: wrap;
    gap: 2rem;
    align-items: flex-start;
  }

  .hero-text h1 {
    line-height: 1.1;
    margin-bottom: 0.5rem;
    font-size: 3rem;
    font-weight: 700;
  }

  #hero p 
  {
    font-size: 1.2rem;
    margin-top: 1rem;
    color: #ffffff;
  }

  .hero-text 
  {
    flex: 1;
    min-width: 300px;
  }

  /* Quote Card */
  .quote-card {
    width: 100%;
    max-width: 500px;
    background-color: #fff;
    padding: 15px;
    flex: 1;
    min-width: 300px;
    border-radius: 10px;
    box-shadow: 0 4px 25px rgba(0,0,0,0.15);
  }

  section {
    padding: 2rem 2rem;
  }

  section h2 {
    text-align: center;
    margin-bottom: 2rem;
    font-weight: 600;
  }
  
  .cover-img {
    text-align: center;
    padding: 15px 0;
  }

  .cover-img img {
    width: 70%;
    height: auto;
    display: inline-block;
  }

  .cover-item,
  .cover-item {
    border: 0.5px solid #ddd; 
    border-radius: 5px;
    background-color: #fff;
    transition: all 0.3s ease;
    overflow: hidden;
  }

  .cover-item,
  .cover-item {
    box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1);
  }

  .cover-item:hover,
  .cover-item:hover {
    transform: translateY(-8px) scale(1.03); 
    box-shadow: 0 12px 25px rgba(0, 0, 0, 0.25);
    border-color: #b4b4b4;
  }

  .cover-img {
    text-align: center;
    margin-bottom: 0;
  }

  .cover-img img {
    width: 70%;
    height: auto;
    display: inline-block;
  }

  .card-ins-title {
    text-align: center;
    margin-top: 20px;
    margin-bottom: 15px;
    font-weight: 700;
  }

  .cover-content {
    padding-top: 1px;
  }

  .cover-content-inner h4 {
    text-align: center;
    font-size: 1.25rem;
    margin-top: 15px;
    margin-bottom: 15px;
  }
  
  .coverage-summary {
    margin-bottom: 2rem;
  }

  .coverage-summary ul {
    list-style: disc;
    padding-left: 1.5rem;
  }

  .coverage-notes-card {
    font-size: 15px;
    color: #ffffff;
    border-top: 1px solid #ddd;
    font-style: italic;
  }

  .coverage-card {
    background-color: #ffffff;
    border-radius: 10px;
    box-shadow: 0 4px 15px rgba(0,0,0,0.05);
    transition: all 0.3s ease;
    border: 1px solid #e6e6e6;
  }

  .coverage-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 20px rgba(0,0,0,0.1);
  }

  .coverage-card h4 {
    font-weight: 700;
    color: #000000;
  }

  .coverage-list {
    display: flex;
    flex-direction: column;
    gap: 0;
  }

  .coverage-row {
    display: grid;
    grid-template-columns: 1fr 40px;
    align-items: center;
    padding: 10px 0;
    border-bottom: 1px solid rgba(0,0,0,0.1);
  }

  .coverage-row .text {
    font-size: 15px;
  }

  .coverage-row .symbol {
    text-align: center;
    font-size: 18px;
    font-weight: bold;
  }

  .coverage-row .yes {
    color: #28a745;
  }

  .coverage-row .no {
    color: #dc3545;
  }

/* Scope Section */
  #scope {
    position: relative;
    color: white;
    padding: 40px 20px;
    z-index: 0;
  }

  #scope > * {
    position: relative;
    z-index: 2; 
  }

  .scope-ins {
    overflow-x: auto; 
  }

  .scope-ins table {
      width: 100%;
      max-width: 800px; 
      margin: 0 auto;
      border-collapse: collapse;
      font-size: 0.9rem;
      min-width: 600px; 
  }

  /* Table cells */
  .scope-ins th,
  .scope-ins td {
      padding: 8px 12px;
      vertical-align: top;
  }

  .scope-ins th,
  .scope-ins td:not(:first-child) {
      text-align: center;
  }

  .scope-ins td:first-child {
      text-align: left;
  }

  /* Header style with solid color */
  .scope-ins th {
      background-color: #929292; 
      color: white;
      font-weight: bold;
  }

  .scope-ins tbody tr:hover {
      background-color: rgba(255, 255, 255, 0.1);
  }

  .collage-1 {
    position: relative;
    width: 100%;
    max-width: 520px;
  }

  .collage-main {
    width: 100%;
    border-radius: 12px;
    object-fit: cover;
    display: block;
    clip-path: inset(40px 5px 20px 5px round 30px 0 30px 0);
  }
  
  .card-ben {
    --white: hsl(0, 0%, 95%);
    --black: hsl(0, 0%, 100%);
    --stone-300: hsl(0, 60%, 33%);

    cursor: pointer;
    position: relative;
    display: flex;
    flex-direction: column;
    align-items: center;
    margin: 1rem auto;
  }

  .sub-card {
    display: flex;
    align-items: center;
    padding: 1rem;
    min-width: 22rem;
    height: 3rem;
    background-color: var(--stone-300);
    transition: all 0.5s cubic-bezier(1, 0, 0, 1);
  }
  .sub-card.category {
    justify-content: space-between;
    border-radius: 0.75rem 0.75rem 0 0;
  }
  .sub-card.named {
    justify-content: center;
    border-radius: 0 0 0.75rem 0.75rem;
  }

  .sub-card .text_span {
    font-size: 1rem;
    font-weight: 600;
    color: var(--black);
    text-transform: capitalize;
  }

  .sub-card i{
      font-size: 1.5rem;
      color: white;
    }

  .card_container {
    overflow: hidden;
    position: relative;
    z-index: 5;
    width: 30rem;  /* made larger */
    height: 22rem; /* made taller */
    border-radius: 0.75rem;
    transition: all 0.6s ease;
  }

  .card_container .image {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    width: 100%;
    height: 100%;
    object-fit: cover;
    border-radius: 0.75rem;
  }

  .col-lg-6 {
    overflow: visible;
  }

  .ben-ins {
    position: relative;
    border-radius: 14px;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    justify-content: center;
    box-shadow: 20px 20px 60px #bebebe, -20px -20px 60px #ffffff;
    border-radius: 10px;
    box-shadow: 0 4px 15px rgba(0,0,0,0.05);
    transition: all 0.3s ease;
    min-height: 120px;
  }

  .ben-ins:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 20px rgba(0,0,0,0.1);
    }

  .ben-ins .bg {
    position: absolute;
    top: 5px;
    left: 5px;
    width: calc(100% - 10px);
    height: calc(100% - 10px);
    z-index: 2;
    background: rgba(252, 252, 252, 0.95);
    backdrop-filter: blur(24px);
    border-radius: 10px;
    overflow: hidden;
    outline: 2px solid white;
  }

  .ben-ins .blob {
    position: absolute;
    z-index: 1;
    top: 50%;
    left: 50%;
    width: 150px;
    height: 150px;
    border-radius: 50%;
    background-color: #08080831;
    opacity: 1;
    filter: blur(12px);
    animation: blob-bounce 5s infinite ease;
  }

  @keyframes blob-bounce {
    0% { transform: translate(-100%, -100%) translate3d(0, 0, 0); }
    25% { transform: translate(-100%, -100%) translate3d(100%, 0, 0); }
    50% { transform: translate(-100%, -100%) translate3d(100%, 100%, 0); }
    75% { transform: translate(-100%, -100%) translate3d(0, 100%, 0); }
    100% { transform: translate(-100%, -100%) translate3d(0, 0, 0); }
  }

  .ben-ins .d-flex {
    position: relative;
    z-index: 3;
  }

  .ben-ins i {
    font-size: 2rem;
    width: 2.2rem; 
    height: 2.2rem;  
    display: flex;
    align-items: center;
    justify-content: center;
    transition: transform 0.3s ease, color 0.3s ease;
    color: #a70000;
  }

  .ben-ins:hover i {
    transform: scale(1.2);
    color: #be1010;
  }

  .shop-icon i{
      font-size: 1.5rem;
    }

  /* FAQ */

  #faq {
  width: 100%;
  height: 100%;
  display: flex;
  justify-content: center;
  align-items: center;
  color: white;
  }

  /* Card text area */
  .buy-ins .text-card {
    position: relative;
    background: #faf9f9;
    border-radius: 20px;
    padding: 2rem;
    border: 1px;
    border-color: #b4b4b4;
    overflow: visible;
  }

  /* Overlay image */
  .buy-ins .overlay-img {
    position: absolute;
    left: 50px;
    top: 52%;
    transform: translateY(-50%) rotateY(-15deg) rotateX(5deg);
    width: 40%;
    height: auto;
    z-index: 20;
    pointer-events: none;

    /* Floating animation */
    animation: float 6s ease-in-out infinite;

    /* Smooth transitions for hover */
    transition: transform 0.5s ease, box-shadow 0.5s ease;
  }

  /* Floating keyframes */
  @keyframes float {
    0%   { transform: translateY(-50%) translateY(0px) rotateY(-15deg) rotateX(5deg); }
    50%  { transform: translateY(-50%) translateY(-10px) rotateY(-15deg) rotateX(5deg); }
    100% { transform: translateY(-50%) translateY(0px) rotateY(-15deg) rotateX(5deg); }
  }

  /* Hover effect */
  .buy-ins .overlay-img:hover {
    transform: translateY(-50%) translateY(-20px) rotateY(-15deg) rotateX(5deg) scale(1.05);
    box-shadow: 0 30px 60px rgba(0, 0, 0, 0.3);
  }

  .buy-ins .card-body {
    margin-left: 0;
    z-index: 10;
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center; 
    text-align: center;
  }

  /* Paragraphs */
  .buy-ins p {
    color: #333;
  }

  /* Payment logos */
  .buy-ins .payment-logos img {
    height: 26px;
  }

  /* Card hover effect */
  .c-pay {
    border-radius: 10px;
    box-shadow: 0 4px 15px rgba(0,0,0,0.05);
    transition: all 0.3s ease;
  }

  .c-pay:hover {
    transform: translateY(-5px);
    box-shadow: 0 8px 20px rgba(0,0,0,0.1);
  }

  .c-pay img {
    flex-shrink: 0;
  }

  .pay-container {
    background-color: #ffffff;
    display: flex;
    width: 300px;       /* smaller overall width */
    height: 75px;       /* smaller height */
    position: relative;
    border-radius: 6px;
    transition: 0.3s ease-in-out;
  }

  .pay-container:hover {
    transform: none;
    width: 300px;
  }

  .pay-left-side {
    background-color: #5de2a3;
    width: 85px;        /* smaller green part */
    height: 75px;
    border-radius: 4px;
    position: relative;
    display: flex;
    justify-content: center;
    align-items: center;
    cursor: pointer;
    transition: 0.3s;
    flex-shrink: 0;
    overflow: hidden;
  }

  .pay-right-side {
    width: calc(100% - 85px);
    display: flex;
    align-items: center;
    overflow: hidden;
    cursor: pointer;
    justify-content: space-between;
    white-space: nowrap;
    transition: 0.3s;
  }

  .pay-right-side:hover {
    background-color: #faf9f9;
    border-radius: 6px;
  }

  .card-payment {
    width: 48px;
    height: 30px;
    background-color: #c7ffbc;
    border-radius: 6px;
    position: absolute;
    display: flex;
    z-index: 10;
    flex-direction: column;
    align-items: center;
    box-shadow: 5px 5px 5px -2px rgba(77, 200, 143, 0.72);
  }

  .card-payment-line {
    width: 42px;
    height: 8px;
    background-color: #80ea69;
    border-radius: 2px;
    margin-top: 5px;
  }

  .buttons-payment {
    width: 6px;
    height: 6px;
    background-color: #379e1f;
    box-shadow: 0 -6px 0 0 #26850e, 0 6px 0 0 #56be3e;
    border-radius: 50%;
    margin-top: 4px;
    transform: rotate(90deg);
    margin: 6px 0 0 -20px;
  }

  .pay-container:hover .card-payment {
    animation: slide-top-payment 1.2s cubic-bezier(0.645, 0.045, 0.355, 1) both;
  }

  .post-payment {
    width: 42px;
    height: 50px;
    background-color: #dddde0;
    position: absolute;
    z-index: 11;
    bottom: 6px;
    top: 75px;
    border-radius: 6px;
    overflow: hidden;
  }

  .pay-container:hover .post-payment {
    animation: slide-post-payment 1s cubic-bezier(0.165, 0.84, 0.44, 1) both;
  }

  .post-line-payment {
    width: 32px;
    height: 5px;
    background-color: #545354;
    position: absolute;
    border-radius: 0 0 3px 3px;
    right: 5px;
    top: 5px;
  }

  .post-line-payment:before {
  content: "";
  position: absolute;
  width: 32px;
  height: 5px;
  background-color: #757375;
  left: 0;
  bottom: 5px;
  }

  .screen-payment {
    width: 32px;
    height: 20px;
    background-color: #ffffff;
    position: absolute;
    top: 13px;
    right: 5px;
    border-radius: 3px;
  }

  .numbers-payment {
    width: 8px;
    height: 8px;
    background-color: #838183;
    box-shadow: 0 -12px 0 0 #838183, 0 12px 0 0 #838183;
    border-radius: 2px;
    position: absolute;
    transform: rotate(90deg);
    left: 17px;
    top: 36px;
  }

  .dollar-payment {
    position: absolute;
    font-size: 14px;
    font-family: "Lexend Deca", sans-serif;
    width: 100%;
    left: 0;
    top: 0;
    color: #4b953b;
    text-align: center;
  }

  .pay-container:hover .dollar-payment {
    animation: fade-in-fwd-payment 0.3s 1s backwards;
  }

  /* Animations */
  @keyframes slide-top-payment {
    0% { transform: translateY(0); }
    50% { transform: translateY(-45px) rotate(90deg); }
    60% { transform: translateY(-45px) rotate(90deg); }
    100% { transform: translateY(-5px) rotate(90deg); }
  }

  @keyframes slide-post-payment {
    50% { transform: translateY(0); }
    100% { transform: translateY(-45px); }
  }

  @keyframes fade-in-fwd-payment {
    0% { opacity: 0; transform: translateY(-3px); }
    100% { opacity: 1; transform: translateY(0); }
  }

  .payment-logos {
    display: flex;
    align-items: center;
    gap: 6px;
    margin-left: 10px;
  }
  

/* --- FULL RESPONSIVE -- */

  /* ===========================
    HERO FIRST SECTION — MOBILE LAYOUT
    ============================ */

  @media (max-width: 992px) {
    .hero-text h1 {
      font-size: 3.5rem;
    }

    .hero-text p {
      font-size: 1.3rem;
    }
  }

  @media (max-width: 576px) {
    .hero-text h1 {
      font-size: 2.8rem;
    }

    .hero-text p {
      font-size: 1.3rem;
    }

    .hero-text, .quote-card {
      width: 100%;
      text-align: center;
      margin-left: auto;
      margin-right: auto;
    }
  }

  @media (max-width: 576px) {
    .double-wave svg {
      height: 80px;
    }
  }

  
  /* ===========================
    DESC COVER INSURANCE TYPE — MOBILE LAYOUT
    ============================ */
  @media (max-width: 768px) {
    .cover-img {
      padding: 8px 0;
    }

    .cover-img img {
      width: 80%; 
    }

    .card-ins-title {
      margin-top: 10px;
      margin-bottom: 8px;
      font-size: 1.2rem; 
    }

    .cover-content-inner h4 {
      font-size: 1rem;
      margin-top: 8px;
      margin-bottom: 8px;
    }

    .cover-content-inner p,
    .cover-content-inner ul {
      margin-bottom: 6px;
      font-size: 0.95rem;
      line-height: 1.3;
    }
  }

  /* ===========================
    SCOPE INS — MOBILE LAYOUT
    ============================ */

  @media (min-width: 769px) {
      .scope-ins th,
      .scope-ins td {
          padding: 6px 8px; 
          font-size: 0.85rem;
      }
  }
  
  @media (max-width: 768px) {
      .scope-ins table {
          min-width: 100%; 
      }

      .scope-ins th,
      .scope-ins td {
          padding: 12px 10px !important;
          font-size: 0.95rem !important;
          white-space: normal !important;
          line-height: 1.3;
      }

      .scope-ins th.header-comprehensive {
          white-space: normal;
          word-break: break-word;
      }

      .scope-ins {
          overflow-x: auto;
      }
  }
  
  /* ===========================
    INS BENEFITS — MOBILE LAYOUT
    ============================ */
  @media (max-width: 768px) {
    /* Overall card */
    .card-ben {
      margin: 0.5rem auto;
      transform: scale(0.9);
    }

    .card_container {
      width: 18rem;  
      height: 14rem; 
    }

    .sub-card {
      min-width: 14rem;
      height: 2.5rem;
      padding: 0.75rem;
    }

    .sub-card .text_span {
      font-size: 0.85rem;
    }

    .ben-ins .blob {
      width: 100px;
      height: 100px;
    }

    .ben-ins i {
      font-size: 1.6rem;
    }

    .ben-ins {
      min-height: 90px;
    }
  }

  @media (max-width: 480px) {
    .card_container {
      width: 22rem;
      height: 18rem;
    }

    .sub-card {
      min-width: 12rem;
      height: 2.2rem;
    }

    .sub-card .text_span {
      font-size: 0.8rem;
    }

    .ben-ins {
      min-height: 80px;
    }

    .sub-card i{
      font-size: 1.2rem;
    }
  }

  /* ===========================
    HOW TO BUY — MOBILE LAYOUT
    ============================ */

  @media (max-width: 768px) {

    .buy-ins .position-relative.d-flex {
      flex-direction: column;
      align-items: center;
      justify-content: center;
    }

    .buy-ins .overlay-img {
      position: relative !important;
      top: 0 !important;
      left: 0 !important;
      transform: none !important;
      order: -1;
      width: 70%;
      max-width: 260px;
      margin: 0 auto 1.5rem auto;
      display: block;
    }

    .buy-ins .c-pay {
      position: relative;
      max-width: 90%;
      margin: 0 auto;
      text-align: center;
      padding: 1.5rem 1rem;
    }

    .buy-ins .card-body {
      margin-left: 0 !important;
      padding: 0.5rem;
    }

    .buy-ins .payment-logos img {
      height: 22px;
    }

    .buy-ins p {
      font-size: 0.95rem;
    }

    .pay-container {
      margin: 0 auto;         
      width: 90%;       
      max-width: 300px;
      display: flex;
      justify-content: space-between; 
      align-items: center;  
      gap: 5px;              
      height: 75px;
    }

    .pay-left-side {
      flex-shrink: 0;       
    }

    .pay-right-side {
      flex-shrink: 0;   
      display: flex;
      justify-content: center; 
      flex: 1;                 
    }

    .pay-right-side .payment-logos {
      margin-left: 0;
      justify-content: center;  
    }

    .pay-right-side .payment-logos img {
      height: 30px; 
    }
  }

  @media (max-width: 480px) {
    
    .buy-ins .overlay-img {
      width: 100%;
      max-width: 350px;
      margin-bottom: 1rem;
    }
    
    .buy-ins .c-pay {
      max-width: 95%;
      padding: 1.25rem;
    }

    .buy-ins p {
      font-size: 0.9rem;
    }

    .buy-ins .payment-logos img {
      height: 30px;
    }

    .pay-container {
      width: 95%;
      max-width: 280px;
    }

    .pay-right-side .payment-logos img {
      height: 22px;
    }
    
  }