/* ==========================================================================
   KAST INSURANCE — Main Stylesheet
   Astra Child Theme · kastinsurance.com
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. CSS CUSTOM PROPERTIES
-------------------------------------------------------------------------- */
:root {
    --ki-navy:         #0D2B4E;
    --ki-navy-dark:    #081C33;
    --ki-blue:         #1B5FA8;
    --ki-blue-light:   #2E86C1;
    --ki-blue-pale:    #E8F1FB;
    --ki-orange:       #E87722;
    --ki-orange-dark:  #C4601A;
    --ki-orange-pale:  #FEF0E4;
    --ki-gray-light:   #F5F7FA;
    --ki-gray-mid:     #E4E8EE;
    --ki-gray:         #6C757D;
    --ki-white:        #FFFFFF;
    --ki-text:         #2C3E50;
    --ki-text-light:   #5A6A7A;
    --ki-border:       #DEE2E6;
    --ki-shadow-sm:    0 2px 8px rgba(13,43,78,0.08);
    --ki-shadow-md:    0 4px 20px rgba(13,43,78,0.12);
    --ki-shadow-lg:    0 8px 40px rgba(13,43,78,0.18);
    --ki-radius:       6px;
    --ki-radius-lg:    12px;
    --ki-transition:   0.3s ease;
    --ki-container:    1200px;
}

/* --------------------------------------------------------------------------
   2. RESET & BASE
-------------------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
    font-family: 'Open Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    font-size: 16px;
    line-height: 1.75;
    color: var(--ki-text);
    background: #fff;
    margin: 0;
    padding: 0;
    -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
    font-family: 'Montserrat', 'Segoe UI', sans-serif;
    font-weight: 700;
    line-height: 1.2;
    color: var(--ki-navy);
    margin: 0 0 1rem;
}

p { margin: 0 0 1.2rem; }
p:last-child { margin-bottom: 0; }

a {
    color: var(--ki-blue);
    text-decoration: none;
    transition: color var(--ki-transition);
}
a:hover { color: var(--ki-orange); }

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

ul, ol { margin: 0 0 1rem; padding-left: 1.5rem; }
li { margin-bottom: 0.4rem; }

/* --------------------------------------------------------------------------
   3. UTILITIES & LAYOUT
-------------------------------------------------------------------------- */
.ki-container {
    max-width: var(--ki-container);
    margin: 0 auto;
    padding: 0 24px;
}

.ki-row {
    display: flex;
    flex-wrap: wrap;
    margin: 0 -16px;
}

.ki-col-half   { flex: 0 0 50%; max-width: 50%; padding: 0 16px; }
.ki-col-third  { flex: 0 0 33.333%; max-width: 33.333%; padding: 0 16px; }
.ki-col-fourth { flex: 0 0 25%; max-width: 25%; padding: 0 16px; }
.ki-col-full   { flex: 0 0 100%; max-width: 100%; padding: 0 16px; }

.ki-text-center { text-align: center; }
.ki-text-left   { text-align: left; }
.ki-text-right  { text-align: right; }

.ki-section {
    padding: 80px 0;
}
.ki-section--sm { padding: 50px 0; }
.ki-section--lg { padding: 110px 0; }

.ki-section--light  { background: var(--ki-gray-light); }
.ki-section--navy   { background: var(--ki-navy); }
.ki-section--blue   { background: var(--ki-blue); }
.ki-section--orange { background: var(--ki-orange); }
.ki-section--white  { background: var(--ki-white); }

.ki-divider {
    display: block;
    width: 60px;
    height: 4px;
    background: var(--ki-orange);
    margin: 0 0 24px;
    border-radius: 2px;
}
.ki-divider--center { margin: 0 auto 24px; }

/* --------------------------------------------------------------------------
   4. BUTTONS
-------------------------------------------------------------------------- */
.ki-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 32px;
    font-family: 'Montserrat', sans-serif;
    font-size: 15px;
    font-weight: 600;
    letter-spacing: 0.5px;
    border-radius: var(--ki-radius);
    border: 2px solid transparent;
    cursor: pointer;
    transition: all var(--ki-transition);
    text-decoration: none;
    line-height: 1;
    white-space: nowrap;
}

.ki-btn--primary {
    background: var(--ki-orange);
    color: var(--ki-white);
    border-color: var(--ki-orange);
}
.ki-btn--primary:hover {
    background: var(--ki-orange-dark);
    border-color: var(--ki-orange-dark);
    color: var(--ki-white);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(232,119,34,0.35);
}

.ki-btn--secondary {
    background: var(--ki-blue);
    color: var(--ki-white);
    border-color: var(--ki-blue);
}
.ki-btn--secondary:hover {
    background: var(--ki-navy);
    border-color: var(--ki-navy);
    color: var(--ki-white);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(27,95,168,0.35);
}

.ki-btn--outline-white {
    background: transparent;
    color: var(--ki-white);
    border-color: rgba(255,255,255,0.7);
}
.ki-btn--outline-white:hover {
    background: var(--ki-white);
    color: var(--ki-navy);
    border-color: var(--ki-white);
}

.ki-btn--outline-navy {
    background: transparent;
    color: var(--ki-navy);
    border-color: var(--ki-navy);
}
.ki-btn--outline-navy:hover {
    background: var(--ki-navy);
    color: var(--ki-white);
}

.ki-btn--lg {
    padding: 18px 44px;
    font-size: 16px;
}
.ki-btn--sm {
    padding: 10px 22px;
    font-size: 13px;
}

/* --------------------------------------------------------------------------
   5. HEADER & TOP BAR
-------------------------------------------------------------------------- */
#ki-header {
    position: sticky;
    top: 0;
    z-index: 1000;
    box-shadow: 0 2px 12px rgba(0,0,0,0.15);
}

/* Top bar */
.ki-topbar {
    background: var(--ki-navy-dark);
    color: rgba(255,255,255,0.75);
    font-size: 13px;
    padding: 8px 0;
}
.ki-topbar__inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
}
.ki-topbar a {
    color: rgba(255,255,255,0.75);
    transition: color var(--ki-transition);
}
.ki-topbar a:hover { color: var(--ki-orange); }
.ki-topbar__contact { display: flex; gap: 24px; align-items: center; }
.ki-topbar__contact i { margin-right: 6px; color: var(--ki-orange); }
.ki-topbar__links { display: flex; gap: 20px; }

/* Main header */
.ki-header-main {
    background: var(--ki-navy);
    padding: 0;
}
.ki-header-main__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 80px;
}

/* Logo */
.ki-logo {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
}
.ki-logo__icon {
    width: 48px;
    height: 48px;
    background: var(--ki-orange);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 22px;
    flex-shrink: 0;
}
.ki-logo__text { display: flex; flex-direction: column; line-height: 1.1; }
.ki-logo__name {
    font-family: 'Montserrat', sans-serif;
    font-weight: 800;
    font-size: 22px;
    color: var(--ki-white);
    letter-spacing: -0.5px;
}
.ki-logo__tagline {
    font-size: 11px;
    font-weight: 500;
    color: rgba(255,255,255,0.6);
    letter-spacing: 1.5px;
    text-transform: uppercase;
}

/* Primary navigation */
.ki-nav { display: flex; align-items: center; gap: 4px; }

.ki-nav > li {
    list-style: none;
    position: relative;
}

.ki-nav > li > a,
.ki-nav > li > span {
    display: flex;
    align-items: center;
    gap: 5px;
    padding: 28px 14px;
    font-family: 'Montserrat', sans-serif;
    font-size: 14px;
    font-weight: 600;
    color: rgba(255,255,255,0.87);
    text-decoration: none;
    transition: color var(--ki-transition);
    cursor: pointer;
    white-space: nowrap;
    letter-spacing: 0.3px;
}

.ki-nav > li > a:hover,
.ki-nav > li:hover > a,
.ki-nav > li:hover > span {
    color: var(--ki-orange);
}

.ki-nav > li > a .ki-nav-arrow { font-size: 10px; transition: transform var(--ki-transition); }
.ki-nav > li:hover > a .ki-nav-arrow { transform: rotate(180deg); }

/* Dropdown */
.ki-dropdown {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    min-width: 230px;
    background: var(--ki-white);
    border-top: 3px solid var(--ki-orange);
    box-shadow: var(--ki-shadow-lg);
    border-radius: 0 0 var(--ki-radius) var(--ki-radius);
    z-index: 100;
    padding: 8px 0;
}
.ki-nav > li:hover .ki-dropdown { display: block; }
.ki-dropdown li { list-style: none; padding: 0; }
.ki-dropdown a {
    display: block;
    padding: 10px 20px;
    font-size: 14px;
    color: var(--ki-text);
    font-weight: 500;
    transition: background var(--ki-transition), color var(--ki-transition);
}
.ki-dropdown a:hover {
    background: var(--ki-gray-light);
    color: var(--ki-blue);
    padding-left: 26px;
}

/* CTA button in nav */
.ki-nav__cta a {
    background: var(--ki-orange) !important;
    color: var(--ki-white) !important;
    padding: 10px 22px !important;
    border-radius: var(--ki-radius) !important;
    margin-left: 8px;
    font-size: 14px !important;
}
.ki-nav__cta a:hover {
    background: var(--ki-orange-dark) !important;
    color: var(--ki-white) !important;
}

/* Mobile menu toggle */
.ki-menu-toggle {
    display: none;
    background: none;
    border: none;
    color: white;
    font-size: 24px;
    cursor: pointer;
    padding: 8px;
}

/* --------------------------------------------------------------------------
   6. HERO SECTIONS
-------------------------------------------------------------------------- */
.ki-hero {
    position: relative;
    background: linear-gradient(135deg, var(--ki-navy) 0%, #1a4a7a 60%, var(--ki-blue) 100%);
    color: var(--ki-white);
    padding: 100px 0 90px;
    overflow: hidden;
}
.ki-hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1440 400"><path fill="rgba(255,255,255,0.03)" d="M0,200L48,186.7C96,173,192,147,288,160C384,173,480,227,576,240C672,253,768,227,864,213.3C960,200,1056,200,1152,186.7C1248,173,1344,147,1392,133.3L1440,120L1440,400L0,400Z"/></svg>') center/cover no-repeat;
    opacity: 0.6;
}
.ki-hero--sm { padding: 70px 0 60px; }

.ki-hero__inner {
    position: relative;
    z-index: 1;
    display: flex;
    align-items: center;
    gap: 60px;
}
.ki-hero__content { flex: 1; }
.ki-hero__image { flex: 0 0 420px; }

.ki-hero__eyebrow {
    display: inline-block;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--ki-orange);
    margin-bottom: 16px;
}

.ki-hero h1 {
    color: var(--ki-white);
    font-size: clamp(2rem, 4vw, 3.2rem);
    font-weight: 800;
    line-height: 1.15;
    margin-bottom: 20px;
}

.ki-hero h1 span { color: var(--ki-orange); }

.ki-hero__sub {
    font-size: 18px;
    font-weight: 300;
    color: rgba(255,255,255,0.85);
    margin-bottom: 36px;
    max-width: 560px;
    line-height: 1.7;
}

.ki-hero__actions { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }

.ki-hero__badge {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-top: 32px;
    padding: 14px 20px;
    background: rgba(255,255,255,0.1);
    border: 1px solid rgba(255,255,255,0.2);
    border-radius: var(--ki-radius);
    backdrop-filter: blur(8px);
    font-size: 14px;
    color: rgba(255,255,255,0.9);
    max-width: max-content;
}
.ki-hero__badge i { font-size: 20px; color: var(--ki-orange); }
.ki-hero__badge strong { display: block; font-weight: 700; color: white; }

.ki-hero__visual {
    position: relative;
    border-radius: var(--ki-radius-lg);
    overflow: hidden;
    box-shadow: var(--ki-shadow-lg);
}
.ki-hero__visual img { width: 100%; display: block; }
.ki-hero__img-placeholder {
    width: 420px;
    height: 320px;
    background: linear-gradient(135deg, rgba(255,255,255,0.15), rgba(255,255,255,0.05));
    border: 2px dashed rgba(255,255,255,0.3);
    border-radius: var(--ki-radius-lg);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,0.5);
    font-size: 14px;
    gap: 10px;
}
.ki-hero__img-placeholder i { font-size: 48px; }

/* Hero stats bar */
.ki-hero-stats {
    display: flex;
    gap: 0;
    background: var(--ki-orange);
    color: white;
}
.ki-hero-stat {
    flex: 1;
    text-align: center;
    padding: 22px 16px;
    border-right: 1px solid rgba(255,255,255,0.25);
}
.ki-hero-stat:last-child { border-right: none; }
.ki-hero-stat__number {
    font-family: 'Montserrat', sans-serif;
    font-size: 28px;
    font-weight: 800;
    display: block;
    line-height: 1;
    margin-bottom: 4px;
}
.ki-hero-stat__label {
    font-size: 12px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.8px;
    opacity: 0.88;
}

/* --------------------------------------------------------------------------
   7. SECTION HEADINGS
-------------------------------------------------------------------------- */
.ki-section-heading {
    margin-bottom: 48px;
}
.ki-section-heading--center { text-align: center; }
.ki-section-heading--center .ki-divider { margin: 0 auto 20px; }

.ki-section-heading .ki-eyebrow {
    display: inline-block;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 2.5px;
    text-transform: uppercase;
    color: var(--ki-orange);
    margin-bottom: 12px;
}

.ki-section-heading h2 {
    font-size: clamp(1.6rem, 3vw, 2.4rem);
    font-weight: 800;
    color: var(--ki-navy);
    margin-bottom: 16px;
}

.ki-section-heading .ki-subtitle {
    font-size: 17px;
    color: var(--ki-text-light);
    max-width: 620px;
    line-height: 1.7;
}
.ki-section-heading--center .ki-subtitle { margin: 0 auto; }

/* --------------------------------------------------------------------------
   8. SERVICE CARDS
-------------------------------------------------------------------------- */
.ki-cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 28px;
}

.ki-card {
    background: var(--ki-white);
    border-radius: var(--ki-radius-lg);
    box-shadow: var(--ki-shadow-sm);
    padding: 36px 28px;
    transition: transform var(--ki-transition), box-shadow var(--ki-transition);
    position: relative;
    overflow: hidden;
    border: 1px solid var(--ki-gray-mid);
}
.ki-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--ki-shadow-lg);
}
.ki-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 4px;
    background: var(--ki-orange);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform var(--ki-transition);
}
.ki-card:hover::before { transform: scaleX(1); }

.ki-card__icon {
    width: 60px;
    height: 60px;
    background: var(--ki-blue-pale);
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
    transition: background var(--ki-transition);
}
.ki-card__icon i {
    font-size: 26px;
    color: var(--ki-blue);
    transition: color var(--ki-transition);
}
.ki-card:hover .ki-card__icon { background: var(--ki-blue); }
.ki-card:hover .ki-card__icon i { color: var(--ki-white); }

.ki-card h3 {
    font-size: 18px;
    font-weight: 700;
    color: var(--ki-navy);
    margin-bottom: 12px;
}
.ki-card p {
    font-size: 15px;
    color: var(--ki-text-light);
    margin-bottom: 20px;
    line-height: 1.65;
}
.ki-card a.ki-learn-more {
    font-size: 14px;
    font-weight: 600;
    font-family: 'Montserrat', sans-serif;
    color: var(--ki-blue);
    display: inline-flex;
    align-items: center;
    gap: 6px;
    transition: gap var(--ki-transition), color var(--ki-transition);
}
.ki-card a.ki-learn-more:hover { color: var(--ki-orange); gap: 10px; }

/* --------------------------------------------------------------------------
   9. FEATURE / SPLIT SECTIONS
-------------------------------------------------------------------------- */
.ki-split {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}
.ki-split--reverse .ki-split__visual { order: -1; }

.ki-split__visual {
    border-radius: var(--ki-radius-lg);
    overflow: hidden;
    box-shadow: var(--ki-shadow-md);
}
.ki-split__img-placeholder {
    background: var(--ki-gray-light);
    border: 2px dashed var(--ki-gray-mid);
    border-radius: var(--ki-radius-lg);
    height: 380px;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    color: var(--ki-gray);
    gap: 12px;
}
.ki-split__img-placeholder i { font-size: 56px; opacity: 0.4; }

.ki-split__list { list-style: none; padding: 0; margin: 24px 0; }
.ki-split__list li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    margin-bottom: 14px;
    font-size: 15px;
    color: var(--ki-text);
}
.ki-split__list i {
    color: var(--ki-blue);
    margin-top: 3px;
    flex-shrink: 0;
    font-size: 16px;
}

/* --------------------------------------------------------------------------
   10. TESTIMONIALS
-------------------------------------------------------------------------- */
.ki-testimonials-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    gap: 24px;
}

.ki-testimonial {
    background: var(--ki-white);
    border-radius: var(--ki-radius-lg);
    padding: 28px;
    box-shadow: var(--ki-shadow-sm);
    border: 1px solid var(--ki-gray-mid);
    transition: transform var(--ki-transition);
    position: relative;
}
.ki-testimonial:hover { transform: translateY(-4px); }
.ki-testimonial::before {
    content: '\201C';
    position: absolute;
    top: 16px; right: 24px;
    font-size: 80px;
    font-family: Georgia, serif;
    color: var(--ki-orange);
    opacity: 0.15;
    line-height: 1;
}

.ki-stars { display: flex; gap: 4px; margin-bottom: 14px; }
.ki-stars i { color: #F59E0B; font-size: 14px; }

.ki-testimonial__text {
    font-size: 15px;
    line-height: 1.7;
    color: var(--ki-text);
    margin-bottom: 20px;
    font-style: italic;
}

.ki-testimonial__author {
    display: flex;
    align-items: center;
    gap: 12px;
}
.ki-testimonial__avatar {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: var(--ki-blue-pale);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 16px;
    color: var(--ki-blue);
    flex-shrink: 0;
}
.ki-testimonial__name {
    font-weight: 700;
    font-family: 'Montserrat', sans-serif;
    font-size: 14px;
    color: var(--ki-navy);
    display: block;
}
.ki-testimonial__info {
    font-size: 12px;
    color: var(--ki-gray);
}

.ki-reviews-badge {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 16px;
    margin-bottom: 48px;
    padding: 16px 24px;
    background: var(--ki-white);
    border-radius: 50px;
    box-shadow: var(--ki-shadow-sm);
    width: fit-content;
    margin-left: auto;
    margin-right: auto;
    border: 1px solid var(--ki-gray-mid);
}
.ki-reviews-badge .ki-stars { margin: 0; }
.ki-reviews-badge span { font-weight: 600; font-size: 15px; color: var(--ki-navy); }

/* --------------------------------------------------------------------------
   11. PARTNER LOGOS
-------------------------------------------------------------------------- */
.ki-logos {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: center;
    gap: 32px 48px;
}
.ki-logo-item {
    opacity: 0.55;
    transition: opacity var(--ki-transition);
    filter: grayscale(100%);
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 18px;
    color: var(--ki-navy);
    padding: 10px 20px;
    border: 2px solid var(--ki-gray-mid);
    border-radius: var(--ki-radius);
}
.ki-logo-item:hover { opacity: 1; filter: none; }

/* --------------------------------------------------------------------------
   12. CTA BANNER
-------------------------------------------------------------------------- */
.ki-cta-banner {
    background: linear-gradient(135deg, var(--ki-navy) 0%, var(--ki-blue) 100%);
    padding: 70px 0;
    text-align: center;
    color: var(--ki-white);
    position: relative;
    overflow: hidden;
}
.ki-cta-banner::after {
    content: '';
    position: absolute;
    bottom: -50px; right: -50px;
    width: 300px; height: 300px;
    background: rgba(255,255,255,0.04);
    border-radius: 50%;
}
.ki-cta-banner__inner { position: relative; z-index: 1; }
.ki-cta-banner h2 {
    color: var(--ki-white);
    font-size: clamp(1.6rem, 3vw, 2.4rem);
    margin-bottom: 12px;
}
.ki-cta-banner p {
    color: rgba(255,255,255,0.82);
    font-size: 17px;
    max-width: 560px;
    margin: 0 auto 32px;
}
.ki-cta-banner__actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* --------------------------------------------------------------------------
   13. WHY CHOOSE US / FEATURE ICONS
-------------------------------------------------------------------------- */
.ki-features-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 40px;
    text-align: center;
}
.ki-feature {
    display: flex;
    flex-direction: column;
    align-items: center;
}
.ki-feature__icon {
    width: 72px;
    height: 72px;
    background: var(--ki-blue-pale);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
    border: 3px solid var(--ki-white);
    box-shadow: 0 0 0 6px var(--ki-blue-pale);
}
.ki-feature__icon i { font-size: 28px; color: var(--ki-blue); }
.ki-feature h3 { font-size: 16px; margin-bottom: 10px; color: var(--ki-navy); }
.ki-feature p { font-size: 14px; color: var(--ki-text-light); line-height: 1.65; }

/* On navy background */
.ki-section--navy .ki-feature__icon { background: rgba(255,255,255,0.12); box-shadow: none; }
.ki-section--navy .ki-feature__icon i { color: var(--ki-orange); }
.ki-section--navy h3 { color: var(--ki-white); }
.ki-section--navy p { color: rgba(255,255,255,0.75); }
.ki-section--navy .ki-section-heading h2 { color: var(--ki-white); }
.ki-section--navy .ki-section-heading .ki-subtitle { color: rgba(255,255,255,0.75); }

/* --------------------------------------------------------------------------
   14. ABOUT / TIMELINE
-------------------------------------------------------------------------- */
.ki-timeline { position: relative; padding-left: 40px; }
.ki-timeline::before {
    content: '';
    position: absolute;
    left: 0; top: 8px; bottom: 0;
    width: 3px;
    background: linear-gradient(to bottom, var(--ki-orange), var(--ki-blue));
    border-radius: 2px;
}
.ki-timeline-item { position: relative; margin-bottom: 40px; }
.ki-timeline-item:last-child { margin-bottom: 0; }
.ki-timeline-dot {
    position: absolute;
    left: -46px;
    top: 6px;
    width: 16px;
    height: 16px;
    background: var(--ki-orange);
    border-radius: 50%;
    border: 3px solid var(--ki-white);
    box-shadow: 0 0 0 3px var(--ki-orange);
}
.ki-timeline-year {
    display: inline-block;
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 13px;
    color: var(--ki-orange);
    background: var(--ki-orange-pale);
    padding: 3px 10px;
    border-radius: 50px;
    margin-bottom: 8px;
    letter-spacing: 0.5px;
}
.ki-timeline-item h4 { font-size: 17px; color: var(--ki-navy); margin-bottom: 8px; }
.ki-timeline-item p { font-size: 15px; color: var(--ki-text-light); line-height: 1.65; }

/* Team grid */
.ki-team-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 28px;
}
.ki-team-card {
    text-align: center;
    background: var(--ki-white);
    border-radius: var(--ki-radius-lg);
    padding: 32px 20px;
    box-shadow: var(--ki-shadow-sm);
    border: 1px solid var(--ki-gray-mid);
    transition: transform var(--ki-transition);
}
.ki-team-card:hover { transform: translateY(-4px); }
.ki-team-card__avatar {
    width: 90px;
    height: 90px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--ki-blue), var(--ki-navy));
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 16px;
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    font-size: 28px;
    color: var(--ki-white);
}
.ki-team-card h4 { font-size: 16px; color: var(--ki-navy); margin-bottom: 4px; }
.ki-team-card__title { font-size: 13px; color: var(--ki-orange); font-weight: 600; display: block; margin-bottom: 8px; }
.ki-team-card p { font-size: 13px; color: var(--ki-text-light); line-height: 1.6; }

/* --------------------------------------------------------------------------
   15. CONTACT PAGE
-------------------------------------------------------------------------- */
.ki-contact-grid {
    display: grid;
    grid-template-columns: 1fr 1.6fr;
    gap: 60px;
    align-items: start;
}

.ki-contact-info__item {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    margin-bottom: 28px;
}
.ki-contact-info__icon {
    width: 48px;
    height: 48px;
    background: var(--ki-orange-pale);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.ki-contact-info__icon i { font-size: 20px; color: var(--ki-orange); }
.ki-contact-info__label {
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--ki-gray);
    display: block;
    margin-bottom: 4px;
}
.ki-contact-info__value {
    font-size: 15px;
    color: var(--ki-text);
    font-weight: 500;
}
.ki-contact-info__value a { color: var(--ki-blue); }
.ki-contact-info__value a:hover { color: var(--ki-orange); }

.ki-hours-table { width: 100%; border-collapse: collapse; font-size: 14px; margin-top: 8px; }
.ki-hours-table td { padding: 6px 0; color: var(--ki-text); }
.ki-hours-table td:last-child { text-align: right; font-weight: 500; }

/* --------------------------------------------------------------------------
   16. FORMS
-------------------------------------------------------------------------- */
.ki-form { max-width: 100%; }
.ki-form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 20px; }
.ki-form-group { margin-bottom: 20px; }
.ki-form-group--full { grid-column: 1 / -1; }

.ki-form label {
    display: block;
    font-size: 13px;
    font-weight: 600;
    font-family: 'Montserrat', sans-serif;
    color: var(--ki-navy);
    margin-bottom: 6px;
    letter-spacing: 0.3px;
}
.ki-form label .ki-required { color: var(--ki-orange); margin-left: 2px; }

.ki-form input[type="text"],
.ki-form input[type="email"],
.ki-form input[type="tel"],
.ki-form input[type="date"],
.ki-form select,
.ki-form textarea {
    width: 100%;
    padding: 12px 16px;
    font-family: 'Open Sans', sans-serif;
    font-size: 15px;
    color: var(--ki-text);
    background: var(--ki-white);
    border: 1.5px solid var(--ki-border);
    border-radius: var(--ki-radius);
    transition: border-color var(--ki-transition), box-shadow var(--ki-transition);
    appearance: none;
    -webkit-appearance: none;
    outline: none;
}
.ki-form select {
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236C757D' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 14px center;
    background-size: 12px;
    padding-right: 40px;
    cursor: pointer;
}
.ki-form textarea { resize: vertical; min-height: 130px; line-height: 1.6; }

.ki-form input:focus,
.ki-form select:focus,
.ki-form textarea:focus {
    border-color: var(--ki-blue);
    box-shadow: 0 0 0 3px rgba(27,95,168,0.12);
}

.ki-form__submit { margin-top: 8px; }

.ki-form__response {
    display: none;
    padding: 14px 18px;
    border-radius: var(--ki-radius);
    font-size: 15px;
    font-weight: 500;
    margin-top: 16px;
}
.ki-form__response--success {
    background: #D4EDDA;
    color: #155724;
    border: 1px solid #C3E6CB;
}
.ki-form__response--error {
    background: #F8D7DA;
    color: #721C24;
    border: 1px solid #F5C6CB;
}

/* --------------------------------------------------------------------------
   17. ACCORDION / FAQ
-------------------------------------------------------------------------- */
.ki-accordion { border: 1px solid var(--ki-border); border-radius: var(--ki-radius-lg); overflow: hidden; }
.ki-accordion-item { border-bottom: 1px solid var(--ki-border); }
.ki-accordion-item:last-child { border-bottom: none; }
.ki-accordion-trigger {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 18px 24px;
    background: var(--ki-white);
    cursor: pointer;
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    font-size: 15px;
    color: var(--ki-navy);
    transition: background var(--ki-transition);
    gap: 16px;
    user-select: none;
}
.ki-accordion-trigger:hover { background: var(--ki-gray-light); }
.ki-accordion-trigger i { font-size: 14px; color: var(--ki-orange); transition: transform var(--ki-transition); flex-shrink: 0; }
.ki-accordion-item.active .ki-accordion-trigger { background: var(--ki-gray-light); }
.ki-accordion-item.active .ki-accordion-trigger i { transform: rotate(180deg); }
.ki-accordion-body {
    display: none;
    padding: 0 24px 20px;
    font-size: 15px;
    color: var(--ki-text-light);
    line-height: 1.7;
    background: var(--ki-white);
}
.ki-accordion-item.active .ki-accordion-body { display: block; }

/* --------------------------------------------------------------------------
   18. SERVICE DETAIL SECTIONS (individual insurance page)
-------------------------------------------------------------------------- */
.ki-service-tab-nav {
    display: flex;
    gap: 0;
    border-bottom: 2px solid var(--ki-gray-mid);
    margin-bottom: 40px;
    overflow-x: auto;
    scrollbar-width: none;
}
.ki-service-tab-nav::-webkit-scrollbar { display: none; }
.ki-service-tab-btn {
    padding: 14px 28px;
    font-family: 'Montserrat', sans-serif;
    font-size: 14px;
    font-weight: 600;
    color: var(--ki-gray);
    border: none;
    border-bottom: 3px solid transparent;
    background: none;
    cursor: pointer;
    white-space: nowrap;
    transition: color var(--ki-transition), border-color var(--ki-transition);
    margin-bottom: -2px;
}
.ki-service-tab-btn:hover { color: var(--ki-blue); }
.ki-service-tab-btn.active {
    color: var(--ki-navy);
    border-bottom-color: var(--ki-orange);
}
.ki-service-tab-panel { display: none; }
.ki-service-tab-panel.active { display: block; }

/* Glossary terms */
.ki-glossary { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 20px; }
.ki-glossary-term {
    background: var(--ki-white);
    border-radius: var(--ki-radius);
    padding: 20px;
    border-left: 4px solid var(--ki-blue);
    box-shadow: var(--ki-shadow-sm);
}
.ki-glossary-term h4 { font-size: 15px; color: var(--ki-navy); margin-bottom: 8px; }
.ki-glossary-term p { font-size: 14px; color: var(--ki-text-light); margin: 0; line-height: 1.6; }

/* --------------------------------------------------------------------------
   19. BREADCRUMB
-------------------------------------------------------------------------- */
.ki-breadcrumb {
    background: var(--ki-gray-light);
    padding: 12px 0;
    border-bottom: 1px solid var(--ki-gray-mid);
}
.ki-breadcrumb__inner {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    color: var(--ki-gray);
}
.ki-breadcrumb a { color: var(--ki-blue); }
.ki-breadcrumb a:hover { color: var(--ki-orange); }
.ki-breadcrumb i { font-size: 10px; color: var(--ki-gray); }

/* --------------------------------------------------------------------------
   20. FOOTER
-------------------------------------------------------------------------- */
#ki-footer { background: var(--ki-navy-dark); }

.ki-footer-top {
    padding: 70px 0 50px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}
.ki-footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 40px;
}

.ki-footer-brand .ki-logo { margin-bottom: 20px; }
.ki-footer-brand p {
    font-size: 14px;
    color: rgba(255,255,255,0.6);
    line-height: 1.7;
    margin-bottom: 24px;
}

/* Social links */
.ki-social { display: flex; gap: 10px; }
.ki-social a {
    width: 38px;
    height: 38px;
    border-radius: 8px;
    background: rgba(255,255,255,0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,0.65);
    font-size: 16px;
    transition: background var(--ki-transition), color var(--ki-transition);
}
.ki-social a:hover { background: var(--ki-orange); color: var(--ki-white); }

.ki-footer-col h4 {
    font-size: 13px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: var(--ki-white);
    margin-bottom: 20px;
}
.ki-footer-col ul { list-style: none; padding: 0; margin: 0; }
.ki-footer-col ul li { margin-bottom: 10px; }
.ki-footer-col ul a {
    font-size: 14px;
    color: rgba(255,255,255,0.6);
    transition: color var(--ki-transition), padding-left var(--ki-transition);
}
.ki-footer-col ul a:hover { color: var(--ki-orange); padding-left: 4px; }

.ki-footer-contact-list { list-style: none; padding: 0; margin: 0; }
.ki-footer-contact-list li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin-bottom: 14px;
    font-size: 14px;
    color: rgba(255,255,255,0.65);
}
.ki-footer-contact-list i { color: var(--ki-orange); margin-top: 3px; flex-shrink: 0; width: 16px; }
.ki-footer-contact-list a { color: rgba(255,255,255,0.65); }
.ki-footer-contact-list a:hover { color: var(--ki-orange); }

.ki-footer-bottom {
    padding: 20px 0;
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 12px;
}
.ki-footer-bottom p {
    font-size: 13px;
    color: rgba(255,255,255,0.45);
    margin: 0;
}
.ki-footer-bottom-links { display: flex; gap: 20px; }
.ki-footer-bottom-links a { font-size: 13px; color: rgba(255,255,255,0.45); }
.ki-footer-bottom-links a:hover { color: var(--ki-orange); }

.ki-disclaimer {
    background: rgba(0,0,0,0.2);
    padding: 16px 0;
    text-align: center;
    font-size: 12px;
    color: rgba(255,255,255,0.3);
    line-height: 1.7;
}

/* --------------------------------------------------------------------------
   21. PAGE HERO (inner pages)
-------------------------------------------------------------------------- */
.ki-page-hero {
    background: linear-gradient(135deg, var(--ki-navy) 0%, #1a4a7a 100%);
    padding: 64px 0 60px;
    color: var(--ki-white);
    text-align: center;
    position: relative;
    overflow: hidden;
}
.ki-page-hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at 70% 50%, rgba(232,119,34,0.1) 0%, transparent 60%);
}
.ki-page-hero__inner { position: relative; z-index: 1; }
.ki-page-hero h1 {
    color: var(--ki-white);
    font-size: clamp(1.8rem, 3.5vw, 2.8rem);
    margin-bottom: 12px;
}
.ki-page-hero p {
    font-size: 17px;
    color: rgba(255,255,255,0.78);
    max-width: 600px;
    margin: 0 auto;
}

/* --------------------------------------------------------------------------
   22. ASTRA OVERRIDES
-------------------------------------------------------------------------- */
.ast-header-break-point header,
.ast-header-break-point #masthead { display: none !important; }
.site-footer,
#colophon { display: none !important; }
.ast-container { max-width: none !important; }
.entry-header, .ast-separate-container .ast-article-single { box-shadow: none; }

/* Remove Astra's default page padding */
.ast-page-builder-template .entry-content,
.page-template-front-page .entry-content,
.hentry { padding: 0 !important; margin: 0 !important; }

/* --------------------------------------------------------------------------
   23. RESPONSIVE DESIGN
-------------------------------------------------------------------------- */
@media (max-width: 1024px) {
    .ki-footer-grid { grid-template-columns: 1fr 1fr; }
    .ki-hero__inner { gap: 36px; }
    .ki-hero__image { flex: 0 0 360px; }
}

@media (max-width: 768px) {
    .ki-topbar { display: none; }

    .ki-menu-toggle { display: block; }
    .ki-nav { display: none; flex-direction: column; gap: 0; position: absolute; top: 80px; left: 0; right: 0; background: var(--ki-navy-dark); padding: 16px 0; box-shadow: var(--ki-shadow-md); }
    .ki-nav.ki-nav--open { display: flex; }
    .ki-nav > li { width: 100%; }
    .ki-nav > li > a,
    .ki-nav > li > span { padding: 14px 24px; border-bottom: 1px solid rgba(255,255,255,0.06); }
    .ki-dropdown { position: static; box-shadow: none; border-top: none; border-bottom: 1px solid rgba(255,255,255,0.06); background: rgba(0,0,0,0.2); padding: 4px 0; }
    .ki-dropdown a { padding: 10px 36px; color: rgba(255,255,255,0.72); }

    .ki-hero__inner { flex-direction: column; }
    .ki-hero__image { display: none; }
    .ki-hero { padding: 64px 0 56px; }

    .ki-split { grid-template-columns: 1fr; gap: 36px; }
    .ki-split--reverse .ki-split__visual { order: 0; }

    .ki-col-half, .ki-col-third, .ki-col-fourth { flex: 0 0 100%; max-width: 100%; }

    .ki-contact-grid { grid-template-columns: 1fr; }

    .ki-footer-grid { grid-template-columns: 1fr 1fr; }
    .ki-footer-bottom { flex-direction: column; text-align: center; }

    .ki-form-row { grid-template-columns: 1fr; }

    .ki-hero-stats { flex-direction: column; }
    .ki-hero-stat { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.25); }
    .ki-hero-stat:last-child { border-bottom: none; }

    .ki-section { padding: 56px 0; }
    .ki-section--lg { padding: 70px 0; }
}

@media (max-width: 480px) {
    .ki-footer-grid { grid-template-columns: 1fr; }
    .ki-cards { grid-template-columns: 1fr; }
    .ki-testimonials-grid { grid-template-columns: 1fr; }
    .ki-team-grid { grid-template-columns: 1fr 1fr; }
}