/* =========================================================
   TERM INSURANCE PAGE - SIMPLE DESIGN
   Uses the existing Virani Insurance theme.
   One image only: the hero image.
   ========================================================= */

:root {
    --term-blue: #1e3a8a;
    --term-light-blue: #3b82f6;
    --term-orange: #f97316;
    --term-heading: #111827;
    --term-text: #4b5563;
    --term-light: #f8fbff;
    --term-border: #e8eef6;
    --term-white: #ffffff;
}

/* =========================================================
   PAGE RESET
   ========================================================= */

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    font-family: "Poppins", sans-serif;
    color: var(--term-text);
    background: #fff;
    line-height: 1.8;
    overflow-x: hidden;
}

*,
*::before,
*::after {
    box-sizing: border-box;
}

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

a {
    text-decoration: none;
}

/* =========================================================
   NAVBAR
   ========================================================= */

.custom-navbar {
    background: #fff;
    padding: 8px 0;
    box-shadow: 0 4px 20px rgba(15, 23, 42, 0.05);
    z-index: 9999;
}

.custom-navbar .container {
    width: 100%;
    max-width: 1500px;
    padding-left: 30px;
    padding-right: 30px;
}

.navbar-brand img {
    width: 90px;
    height: auto;
}

.navbar-nav {
    display: flex;
    align-items: center;
    gap: 32px;
}

.nav-link {
    color: #111827 !important;
    font-size: 16px;
    font-weight: 600;
    padding: 10px 8px !important;
}

.nav-link:hover,
.nav-link.active {
    color: #3b82f6 !important;
}

.dropdown-menu {
    border: 0;
    border-radius: 16px;
    padding: 10px 0;
    min-width: 240px;
    box-shadow: 0 18px 40px rgba(0, 0, 0, 0.12);
}

.dropdown-item {
    padding: 11px 20px;
    font-size: 15px;
    font-weight: 500;
}

.dropdown-item:hover {
    background: #f2f7ff;
    color: #2563eb;
}

.header-buttons {
    display: flex;
    align-items: center;
}

.quote-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    white-space: nowrap;
    padding: 14px 26px;
    border-radius: 40px;
    background: #ff7a00;
    color: #fff;
    font-weight: 700;
    transition: 0.3s ease;
}

.quote-btn:hover {
    color: #fff;
    background: #e8680d;
    transform: translateY(-2px);
}

.navbar-toggler {
    color: var(--term-blue);
    font-size: 30px;
}

/* =========================================================
   HERO
   ========================================================= */

.term-hero {
    position: relative;
    min-height: 720px;
    padding: 155px 0 90px;
    overflow: hidden;
    background: linear-gradient(180deg, #fff 0%, #f7fbff 100%);
}

.hero-row {
    min-height: 500px;
}

.hero-content {
    position: relative;
    z-index: 3;
    padding-right: 35px;
}

.term-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 10px 19px;
    margin-bottom: 25px;
    border-radius: 50px;
    border: 1px solid rgba(59, 130, 246, 0.15);
    background: #eaf4ff;
    color: #1e3a8a;
    font-size: 14px;
    font-weight: 600;
}

.term-badge i {
    color: #3b82f6;
    font-size: 18px;
}

.term-hero h1 {
    max-width: 700px;
    margin: 0 0 25px;
    color: var(--term-heading);
    font-size: clamp(42px, 4.2vw, 66px);
    line-height: 1.12;
    font-weight: 800;
    letter-spacing: -1.5px;
}

.term-hero h1 span {
    display: block;
    color: #3b82f6;
}

.term-hero h3 {
    max-width: 650px;
    margin: 0;
    color: #4b5563;
    font-size: 20px;
    line-height: 1.8;
    font-weight: 500;
}

.hero-actions {
    margin-top: 32px;
}

.hero-primary-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 15px 28px;
    border-radius: 50px;
    background: linear-gradient(135deg, #f97316, #fb923c);
    color: #fff;
    font-weight: 700;
    box-shadow: 0 14px 30px rgba(249, 115, 22, 0.22);
    transition: 0.3s ease;
}

.hero-primary-btn:hover {
    color: #fff;
    transform: translateY(-3px);
    box-shadow: 0 18px 36px rgba(249, 115, 22, 0.30);
}

.hero-visual {
    position: relative;
    z-index: 2;
    display: flex;
    justify-content: center;
    align-items: center;
}

.hero-photo-wrap {
    position: relative;
    width: min(480px, 90%);
    aspect-ratio: 1 / 1;
    display: flex;
    align-items: center;
    justify-content: center;
}

.hero-photo-ring {
    position: absolute;
    width: 100%;
    height: 100%;
    border-radius: 50%;
    background: rgba(59, 130, 246, 0.09);
    transform: translate(28px, 8px);
}

.hero-photo {
    position: relative;
    z-index: 2;
    width: 92%;
    height: 92%;
    border-radius: 50%;
    object-fit: cover;
    object-position: center 25%;
    border: 8px solid rgba(255, 255, 255, 0.95);
    box-shadow: 0 25px 60px rgba(15, 23, 42, 0.13);
}

/* Decorative background circles */

.hero-decoration {
    position: absolute;
    border-radius: 50%;
    pointer-events: none;
}

.hero-decoration-one {
    width: 300px;
    height: 300px;
    top: -150px;
    right: -120px;
    background: rgba(59, 130, 246, 0.06);
}

.hero-decoration-two {
    width: 180px;
    height: 180px;
    bottom: -90px;
    left: -80px;
    background: rgba(30, 58, 138, 0.05);
}

/* =========================================================
   COMMON SECTION
   ========================================================= */

.content-section {
    padding: 105px 0;
    background: #fff;
}

.light-section {
    background: var(--term-light);
}

.narrow-container {
    max-width: 1050px;
}

.section-heading {
    max-width: 900px;
    margin: 0 auto 55px;
    text-align: center;
}

.section-tag {
    display: inline-block;
    margin-bottom: 16px;
    padding: 8px 18px;
    border-radius: 40px;
    background: #eaf4ff;
    color: #2563eb;
    font-size: 14px;
    font-weight: 700;
}

.section-heading h2 {
    margin: 0 auto;
    color: var(--term-heading);
    font-size: clamp(32px, 3vw, 44px);
    line-height: 1.25;
    font-weight: 750;
    letter-spacing: -0.6px;
}

.section-heading p {
    max-width: 820px;
    margin: 20px auto 0;
    font-size: 17px;
    color: #6b7280;
}

.text-content {
    max-width: 950px;
    margin: 0 auto;
}

.text-content p,
.narrow-text p,
.closing-text {
    margin: 0 0 24px;
    font-size: 17px;
    line-height: 1.95;
    color: #4b5563;
}

.center-text {
    max-width: 900px;
    margin: 0 auto 30px;
    text-align: center;
    font-size: 17px;
}

.closing-text {
    max-width: 950px;
    margin: 35px auto 0;
    font-weight: 500;
}

/* =========================================================
   QUESTIONS
   ========================================================= */

.question-list {
    max-width: 900px;
    margin: 35px auto 45px;
}

.question-item {
    display: flex;
    align-items: flex-start;
    gap: 20px;
    padding: 20px 0;
    border-bottom: 1px solid var(--term-border);
}

.question-item:last-child {
    border-bottom: 0;
}

.question-item span {
    flex: 0 0 44px;
    width: 44px;
    height: 44px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: #eaf4ff;
    color: #2563eb;
    font-size: 13px;
    font-weight: 800;
}

.question-item p {
    margin: 5px 0 0;
    font-size: 16px;
    line-height: 1.8;
    color: #374151;
}

/* =========================================================
   SIMPLE LIST
   ========================================================= */

.simple-list {
    max-width: 950px;
    margin: 25px auto 0;
}

.simple-list > div {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    padding: 13px 0;
    border-bottom: 1px solid var(--term-border);
    color: #4b5563;
    font-size: 16px;
    line-height: 1.8;
}

.simple-list > div:last-child {
    border-bottom: 0;
}

.simple-list i {
    flex: 0 0 auto;
    margin-top: 5px;
    color: #3b82f6;
}

/* =========================================================
   PROCESS
   ========================================================= */

.process-list {
    max-width: 950px;
    margin: 40px auto 0;
}

.process-row {
    display: grid;
    grid-template-columns: 60px 1fr;
    gap: 25px;
    padding: 25px 0;
    border-bottom: 1px solid var(--term-border);
}

.process-row:last-child {
    border-bottom: 0;
}

.process-row > span {
    width: 52px;
    height: 52px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: #eaf4ff;
    color: #2563eb;
    font-weight: 800;
    font-size: 14px;
}

.process-row h3 {
    margin: 0 0 8px;
    color: var(--term-heading);
    font-size: 21px;
    font-weight: 700;
}

.process-row p {
    margin: 0;
    color: #4b5563;
    font-size: 16px;
    line-height: 1.85;
}

/* =========================================================
   BENEFITS
   ========================================================= */

.benefit-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
    max-width: 1100px;
    margin: 0 auto;
}

.benefit-item {
    position: relative;
    padding: 30px 25px 28px;
    border-top: 3px solid #3b82f6;
    background: #fff;
    box-shadow: 0 12px 30px rgba(15, 23, 42, 0.055);
    transition: 0.3s ease;
}

.benefit-item:hover {
    transform: translateY(-5px);
    box-shadow: 0 18px 38px rgba(37, 99, 235, 0.10);
}

.benefit-item > span {
    color: #3b82f6;
    font-size: 13px;
    font-weight: 800;
}

.benefit-item h3 {
    margin: 10px 0 12px;
    color: var(--term-heading);
    font-size: 20px;
    line-height: 1.4;
}

.benefit-item p {
    margin: 0;
    color: #6b7280;
    font-size: 15px;
    line-height: 1.8;
}

/* =========================================================
   KEY FEATURES
   ========================================================= */

.feature-list {
    max-width: 1050px;
    margin: 0 auto;
    border-top: 1px solid var(--term-border);
}

.feature-list > div {
    padding: 20px 5px;
    border-bottom: 1px solid var(--term-border);
    font-size: 16px;
    line-height: 1.8;
    color: #4b5563;
}

.feature-list strong {
    color: var(--term-heading);
}

/* =========================================================
   WHO SHOULD BUY
   ========================================================= */

.people-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 28px;
    max-width: 1050px;
    margin: 0 auto;
}

.person-item {
    padding: 28px 26px;
    border-left: 3px solid #3b82f6;
    background: #fff;
    box-shadow: 0 10px 28px rgba(15, 23, 42, 0.05);
}

.person-item h3 {
    margin: 0 0 10px;
    color: var(--term-heading);
    font-size: 19px;
    line-height: 1.45;
}

.person-item p {
    margin: 0;
    color: #6b7280;
    font-size: 15px;
    line-height: 1.8;
}

/* =========================================================
   FINAL CTA
   ========================================================= */

.final-cta {
    margin-top: 45px;
    padding-top: 35px;
    border-top: 1px solid var(--term-border);
    text-align: center;
}

.final-cta a,
.bottom-quote-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 15px 28px;
    border-radius: 50px;
    background: linear-gradient(135deg, #f97316, #fb923c);
    color: #fff;
    font-weight: 700;
    box-shadow: 0 12px 30px rgba(249, 115, 22, 0.20);
    transition: 0.3s ease;
}

.final-cta a:hover,
.bottom-quote-btn:hover {
    color: #fff;
    transform: translateY(-3px);
}

.final-cta p {
    max-width: 800px;
    margin: 25px auto 0;
    color: #6b7280;
}

/* =========================================================
   FAQ
   ========================================================= */

.faq-list {
    max-width: 1000px;
    margin: 0 auto;
}

.faq-list details {
    margin-bottom: 14px;
    border: 1px solid var(--term-border);
    background: #fff;
    border-radius: 12px;
    overflow: hidden;
}

.faq-list summary {
    position: relative;
    cursor: pointer;
    padding: 20px 55px 20px 22px;
    color: var(--term-heading);
    font-size: 16px;
    font-weight: 600;
    list-style: none;
}

.faq-list summary::-webkit-details-marker {
    display: none;
}

.faq-list summary::after {
    content: "+";
    position: absolute;
    right: 22px;
    top: 50%;
    transform: translateY(-50%);
    color: #2563eb;
    font-size: 24px;
    font-weight: 400;
}

.faq-list details[open] summary::after {
    content: "−";
}

.faq-list details p {
    margin: 0;
    padding: 0 22px 22px;
    color: #6b7280;
    font-size: 15px;
    line-height: 1.8;
}

/* =========================================================
   BOTTOM QUOTE
   ========================================================= */

.bottom-quote {
    padding: 90px 0;
    text-align: center;
    background: linear-gradient(135deg, #eff6ff, #f8fbff);
}

.bottom-quote h2 {
    margin: 0 0 18px;
    color: var(--term-heading);
    font-size: clamp(32px, 3vw, 46px);
    font-weight: 750;
}

.bottom-quote p {
    max-width: 650px;
    margin: 0 auto 30px;
    color: #5b6472;
    font-size: 17px;
}

/* =========================================================
   FOOTER
   ========================================================= */

.footer-section {
    padding: 80px 0 20px;
    background: #0f172a;
    color: #cbd5e1;
}

.footer-section h3,
.footer-section h4 {
    color: #fff;
}

.footer-section h3 {
    margin-bottom: 18px;
    font-size: 25px;
}

.footer-section h4 {
    margin-bottom: 20px;
    font-size: 18px;
}

.footer-about p {
    max-width: 420px;
    color: #94a3b8;
    line-height: 1.8;
}

.footer-links ul {
    padding: 0;
    margin: 0;
    list-style: none;
}

.footer-links li {
    margin-bottom: 10px;
    color: #94a3b8;
    font-size: 14px;
}

.footer-links a {
    color: #94a3b8;
    transition: 0.25s ease;
}

.footer-links a:hover {
    color: #60a5fa;
}

.footer-contact p {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 14px;
    color: #94a3b8;
}

.footer-contact a {
    color: #94a3b8;
}

.footer-contact a:hover {
    color: #60a5fa;
}

.footer-social {
    display: flex;
    gap: 10px;
    margin-top: 20px;
}

.footer-social a {
    width: 42px;
    height: 42px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: #1e293b;
    color: #fff;
    transition: 0.3s ease;
}

.footer-social a:hover {
    background: #2563eb;
    color: #fff;
    transform: translateY(-3px);
}

.footer-line {
    margin: 45px 0 20px;
    border-color: rgba(255, 255, 255, 0.10);
}

.footer-bottom {
    display: flex;
    justify-content: space-between;
    gap: 20px;
    color: #94a3b8;
    font-size: 13px;
}

.footer-bottom p {
    margin: 0;
}

/* =========================================================
   RESPONSIVE
   ========================================================= */

@media (max-width: 1199px) {

    .custom-navbar .container {
        max-width: 100%;
        padding-left: 25px;
        padding-right: 25px;
    }

    .navbar-nav {
        gap: 18px;
    }

    .term-hero {
        padding-top: 145px;
    }

    .hero-photo-wrap {
        width: 420px;
    }

}

@media (max-width: 991px) {

    .custom-navbar {
        padding: 8px 0;
    }

    .custom-navbar .container {
        padding-left: 18px;
        padding-right: 18px;
    }

    .navbar-collapse {
        margin-top: 15px;
        padding: 18px;
        border-radius: 16px;
        background: #fff;
        box-shadow: 0 18px 40px rgba(15, 23, 42, 0.10);
    }

    .navbar-nav {
        display: flex;
        flex-direction: column;
        align-items: stretch;
        gap: 3px;
        margin: 0 !important;
        text-align: center;
    }

    .nav-link {
        padding: 11px 10px !important;
    }

    .header-buttons {
        justify-content: center;
        margin-top: 12px;
    }

    .quote-btn {
        width: 100%;
        max-width: 260px;
    }

    .term-hero {
        min-height: auto;
        padding: 145px 0 75px;
    }

    .hero-row {
        min-height: auto;
    }

    .hero-content {
        padding-right: 0;
        text-align: center;
    }

    .term-hero h1 {
        margin-left: auto;
        margin-right: auto;
    }

    .term-hero h3 {
        margin-left: auto;
        margin-right: auto;
    }

    .hero-actions {
        display: flex;
        justify-content: center;
    }

    .hero-visual {
        margin-top: 35px;
    }

    .hero-photo-wrap {
        width: min(390px, 80vw);
    }

    .content-section {
        padding: 80px 0;
    }

    .benefit-grid {
        grid-template-columns: repeat(2, 1fr);
    }

}

@media (max-width: 767px) {

    .navbar-brand img {
        width: 80px;
    }

    .term-hero {
        padding-top: 130px;
        padding-bottom: 65px;
    }

    .term-badge {
        font-size: 13px;
        padding: 9px 15px;
    }

    .term-hero h1 {
        font-size: 38px;
        letter-spacing: -0.7px;
    }

    .term-hero h3 {
        font-size: 16px;
        line-height: 1.8;
    }

    .hero-photo-wrap {
        width: min(320px, 78vw);
    }

    .hero-photo-ring {
        transform: translate(18px, 6px);
    }

    .content-section {
        padding: 65px 0;
    }

    .section-heading {
        margin-bottom: 38px;
    }

    .section-heading h2 {
        font-size: 30px;
    }

    .section-heading p,
    .text-content p,
    .narrow-text p,
    .closing-text {
        font-size: 15px;
        line-height: 1.85;
    }

    .question-item {
        gap: 14px;
    }

    .question-item span {
        flex-basis: 38px;
        width: 38px;
        height: 38px;
    }

    .question-item p {
        font-size: 15px;
    }

    .process-row {
        grid-template-columns: 45px 1fr;
        gap: 15px;
    }

    .process-row > span {
        width: 42px;
        height: 42px;
    }

    .process-row h3 {
        font-size: 18px;
    }

    .process-row p {
        font-size: 15px;
    }

    .benefit-grid,
    .people-grid {
        grid-template-columns: 1fr;
    }

    .benefit-item,
    .person-item {
        padding: 25px 22px;
    }

    .feature-list > div {
        font-size: 15px;
    }

    .faq-list summary {
        padding: 17px 48px 17px 17px;
        font-size: 15px;
    }

    .faq-list details p {
        padding: 0 17px 18px;
        font-size: 14px;
    }

    .bottom-quote {
        padding: 70px 0;
    }

    .footer-section {
        padding: 60px 0 20px;
    }

    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }

}

@media (max-width: 575px) {

    .custom-navbar .container {
        padding-left: 12px;
        padding-right: 12px;
    }

    .term-hero {
        padding-top: 120px;
    }

    .term-hero h1 {
        font-size: 33px;
    }

    .term-hero h3 {
        font-size: 15px;
    }

    .hero-primary-btn {
        width: 100%;
        max-width: 310px;
        text-align: center;
    }

    .hero-photo-wrap {
        width: min(280px, 76vw);
    }

    .hero-photo {
        border-width: 6px;
    }

    .section-heading h2 {
        font-size: 27px;
    }

    .section-tag {
        font-size: 12px;
        padding: 7px 14px;
    }

    .simple-list > div {
        font-size: 14px;
    }

    .bottom-quote-btn {
        width: 100%;
        max-width: 280px;
    }

}

/* =========================================================
   HOME PAGE VISUAL MATCH - TERM PAGE ONLY
   ---------------------------------------------------------
   The existing Term Page CSS above is preserved.
   These rules only restyle the Term Page sections so they
   follow the same colours, spacing, typography and card style
   used by the Home Page.
   ========================================================= */

/* ---------- Common page typography ---------- */
.term-hero + .content-section,
.content-section {
    width: 100%;
    padding: 100px 0;
    background: #ffffff;
}

.content-section.light-section {
    background: #f5f9ff;
}

.content-section .container {
    position: relative;
    z-index: 1;
}

.narrow-container {
    max-width: 1200px;
}

.section-heading {
    max-width: 950px;
    margin: 0 auto 50px;
    text-align: center;
}

.section-tag {
    display: inline-block;
    padding: 9px 20px;
    margin-bottom: 18px;
    border-radius: 50px;
    background: #eaf4ff;
    color: #2563eb;
    border: 1px solid rgba(59, 130, 246, 0.08);
    font-size: 14px;
    font-weight: 700;
}

.section-heading h2 {
    margin: 0;
    color: #111827;
    font-family: 'Poppins', sans-serif;
    font-size: 42px;
    line-height: 1.2;
    font-weight: 700;
    letter-spacing: -0.7px;
}

.section-heading p {
    max-width: 850px;
    margin: 20px auto 0;
    color: #64748b;
    font-size: 17px;
    line-height: 1.85;
    text-align: center;
}

.text-content,
.narrow-text,
.closing-text {
    max-width: 1050px;
    margin-left: auto;
    margin-right: auto;
}

.text-content p,
.narrow-text p,
.closing-text,
.center-text {
    color: #4b5563;
    font-size: 18px;
    line-height: 1.9;
    text-align: left;
}

.text-content p,
.narrow-text p {
    margin-bottom: 28px;
}

.text-content p:last-child,
.narrow-text p:last-child {
    margin-bottom: 0;
}

.center-text {
    max-width: 900px;
    margin: 0 auto 30px;
    text-align: center;
}

.closing-text {
    margin-top: 35px;
    font-weight: 500;
}

/* ---------- Questions ---------- */
.question-list {
    max-width: 1050px;
    margin: 35px auto 45px;
}

.question-item {
    display: flex;
    align-items: flex-start;
    gap: 20px;
    margin-bottom: 16px;
    padding: 22px 25px;
    border: 1px solid #e5edf8;
    border-radius: 20px;
    background: #ffffff;
    box-shadow: 0 10px 30px rgba(15, 23, 42, 0.055);
    transition: 0.3s ease;
}

.question-item:hover {
    transform: translateY(-3px);
    border-color: #d7e8ff;
    box-shadow: 0 15px 35px rgba(37, 99, 235, 0.09);
}

.question-item:last-child {
    margin-bottom: 0;
}

.question-item span {
    flex: 0 0 46px;
    width: 46px;
    height: 46px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: #eaf4ff;
    color: #2563eb;
    font-size: 13px;
    font-weight: 800;
}

.question-item p {
    margin: 5px 0 0;
    color: #334155;
    font-size: 17px;
    line-height: 1.75;
    text-align: left;
}

/* ---------- Protection list ---------- */
.simple-list {
    max-width: 1050px;
    margin: 25px auto 0;
}

.simple-list > div {
    display: flex;
    align-items: flex-start;
    gap: 14px;
    margin-bottom: 12px;
    padding: 18px 20px;
    border: 1px solid #e5edf8;
    border-radius: 16px;
    background: #ffffff;
    color: #4b5563;
    font-size: 17px;
    line-height: 1.75;
    box-shadow: 0 8px 24px rgba(15, 23, 42, 0.04);
}

.simple-list > div:last-child {
    margin-bottom: 0;
}

.simple-list i {
    flex: 0 0 auto;
    margin-top: 4px;
    color: #3b82f6;
    font-size: 17px;
}

/* ---------- Process ---------- */
.process-list {
    max-width: 1050px;
    margin: 40px auto 0;
}

.process-row {
    display: grid;
    grid-template-columns: 60px 1fr;
    gap: 24px;
    margin-bottom: 16px;
    padding: 25px 28px;
    border: 1px solid #e5edf8;
    border-radius: 20px;
    background: #ffffff;
    box-shadow: 0 10px 28px rgba(15, 23, 42, 0.05);
    transition: 0.3s ease;
}

.process-row:hover {
    transform: translateY(-3px);
    box-shadow: 0 15px 35px rgba(37, 99, 235, 0.09);
}

.process-row:last-child {
    margin-bottom: 0;
}

.process-row > span {
    width: 52px;
    height: 52px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: #eaf4ff;
    color: #2563eb;
    font-size: 14px;
    font-weight: 800;
}

.process-row h3 {
    margin: 0 0 9px;
    color: #111827;
    font-family: 'Poppins', sans-serif;
    font-size: 22px;
    line-height: 1.4;
    font-weight: 700;
}

.process-row p {
    margin: 0;
    color: #4b5563;
    font-size: 17px;
    line-height: 1.8;
    text-align: left;
}

/* ---------- Benefits ---------- */
.benefit-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 24px;
    max-width: 1250px;
    margin: 0 auto;
}

.benefit-item {
    position: relative;
    display: block;
    min-height: 225px;
    padding: 30px 28px;
    border: 1px solid #e5edf8;
    border-top: 4px solid #3b82f6;
    border-radius: 24px;
    background: #ffffff;
    box-shadow: 0 12px 30px rgba(15, 23, 42, 0.055);
    transition: 0.35s ease;
}

.benefit-item:hover {
    transform: translateY(-7px);
    border-color: #d6e8ff;
    box-shadow: 0 20px 40px rgba(37, 99, 235, 0.11);
}

.benefit-item > span {
    display: inline-block;
    margin-bottom: 12px;
    color: #2563eb;
    font-size: 13px;
    font-weight: 800;
}

.benefit-item h3 {
    margin: 0 0 13px;
    color: #111827;
    font-family: 'Poppins', sans-serif;
    font-size: 23px;
    line-height: 1.35;
    font-weight: 700;
}

.benefit-item p {
    margin: 0;
    color: #64748b;
    font-size: 16px;
    line-height: 1.8;
    text-align: left;
}

/* ---------- Key features ---------- */
.feature-list {
    max-width: 1100px;
    margin: 0 auto;
    border: 0;
}

.feature-list > div {
    margin-bottom: 14px;
    padding: 21px 25px;
    border: 1px solid #e2ebf7;
    border-radius: 16px;
    background: #ffffff;
    color: #4b5563;
    font-size: 17px;
    line-height: 1.8;
    box-shadow: 0 8px 25px rgba(15, 23, 42, 0.045);
    transition: 0.3s ease;
}

.feature-list > div:hover {
    transform: translateY(-2px);
    box-shadow: 0 12px 30px rgba(37, 99, 235, 0.08);
}

.feature-list > div:last-child {
    margin-bottom: 0;
}

.feature-list strong {
    color: #111827;
    font-weight: 700;
}

/* ---------- Who should buy ---------- */
.people-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 24px;
    max-width: 1100px;
    margin: 0 auto;
}

.person-item {
    padding: 28px 28px;
    border: 1px solid #e5edf8;
    border-left: 4px solid #3b82f6;
    border-radius: 20px;
    background: #ffffff;
    box-shadow: 0 10px 28px rgba(15, 23, 42, 0.05);
    transition: 0.3s ease;
}

.person-item:hover {
    transform: translateY(-5px);
    box-shadow: 0 17px 35px rgba(37, 99, 235, 0.09);
}

.person-item h3 {
    margin: 0 0 11px;
    color: #111827;
    font-family: 'Poppins', sans-serif;
    font-size: 21px;
    line-height: 1.4;
    font-weight: 700;
}

.person-item p {
    margin: 0;
    color: #64748b;
    font-size: 16px;
    line-height: 1.8;
    text-align: left;
}

/* ---------- Final CTA inside content ---------- */
.final-cta {
    margin-top: 45px;
    padding: 35px 30px 5px;
    border-top: 1px solid #dfe9f5;
    text-align: center;
}

.final-cta a,
.bottom-quote-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 15px 30px;
    border: 0;
    border-radius: 60px;
    background: linear-gradient(135deg, #f97316, #fb923c);
    color: #ffffff;
    font-size: 16px;
    font-weight: 700;
    box-shadow: 0 14px 35px rgba(249, 115, 22, 0.22);
    transition: 0.35s ease;
}

.final-cta a:hover,
.bottom-quote-btn:hover {
    color: #ffffff;
    transform: translateY(-4px);
    box-shadow: 0 18px 40px rgba(249, 115, 22, 0.30);
}

.final-cta p {
    max-width: 800px;
    margin: 25px auto 0;
    color: #64748b;
    font-size: 17px;
    line-height: 1.8;
}

/* ---------- FAQ ---------- */
.faq-section {
    background: #f5f9ff !important;
}

.faq-list {
    max-width: 1100px;
    margin: 0 auto;
}

.faq-list details {
    margin-bottom: 14px;
    border: 1px solid #e2ebf7;
    border-radius: 18px;
    background: #ffffff;
    overflow: hidden;
    box-shadow: 0 8px 25px rgba(15, 23, 42, 0.045);
}

.faq-list details:last-child {
    margin-bottom: 0;
}

.faq-list summary {
    position: relative;
    cursor: pointer;
    padding: 21px 58px 21px 25px;
    color: #111827;
    font-family: 'Poppins', sans-serif;
    font-size: 17px;
    line-height: 1.55;
    font-weight: 600;
    list-style: none;
}

.faq-list summary::-webkit-details-marker {
    display: none;
}

.faq-list summary::after {
    content: "+";
    position: absolute;
    right: 24px;
    top: 50%;
    transform: translateY(-50%);
    color: #2563eb;
    font-size: 25px;
    font-weight: 400;
}

.faq-list details[open] summary::after {
    content: "−";
}

.faq-list details p {
    margin: 0;
    padding: 0 25px 23px;
    color: #64748b;
    font-size: 16px;
    line-height: 1.8;
    text-align: left;
}

/* ---------- Bottom quote ---------- */
.bottom-quote {
    padding: 95px 0;
    text-align: center;
    background: linear-gradient(135deg, #eef6ff, #f8fbff);
}

.bottom-quote h2 {
    margin: 0 0 18px;
    color: #111827;
    font-family: 'Poppins', sans-serif;
    font-size: 44px;
    line-height: 1.2;
    font-weight: 700;
}

.bottom-quote p {
    max-width: 700px;
    margin: 0 auto 30px;
    color: #64748b;
    font-size: 18px;
    line-height: 1.8;
    text-align: center;
}

/* ---------- Footer stays in the same Home Page theme ---------- */
.footer-section {
    padding: 80px 0 20px;
    background: #0f172a;
    color: #cbd5e1;
}

.footer-section h3,
.footer-section h4 {
    color: #ffffff;
}

.footer-section h3 {
    margin-bottom: 18px;
    font-size: 25px;
    font-weight: 700;
}

.footer-section h4 {
    margin-bottom: 20px;
    font-size: 18px;
    font-weight: 700;
}

.footer-about p,
.footer-links li,
.footer-contact p,
.footer-contact a,
.footer-links a {
    color: #94a3b8;
}

.footer-about p {
    max-width: 420px;
    line-height: 1.8;
}

.footer-links ul {
    padding: 0;
    margin: 0;
    list-style: none;
}

.footer-links li {
    margin-bottom: 10px;
    font-size: 14px;
}

.footer-links a,
.footer-contact a {
    transition: 0.25s ease;
}

.footer-links a:hover,
.footer-contact a:hover {
    color: #60a5fa;
}

.footer-contact p {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 14px;
}

.footer-social {
    display: flex;
    gap: 10px;
    margin-top: 20px;
}

.footer-social a {
    width: 42px;
    height: 42px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    background: #1e293b;
    color: #ffffff;
    transition: 0.3s ease;
}

.footer-social a:hover {
    background: #2563eb;
    color: #ffffff;
    transform: translateY(-3px);
}

.footer-line {
    margin: 45px 0 20px;
    border-color: rgba(255, 255, 255, 0.10);
}

.footer-bottom {
    display: flex;
    justify-content: space-between;
    gap: 20px;
    color: #94a3b8;
    font-size: 13px;
}

.footer-bottom p {
    margin: 0;
    text-align: left;
}

/* =========================================================
   RESPONSIVE HOME-PAGE MATCH
   ========================================================= */

@media (max-width: 1199px) {
    .section-heading h2 {
        font-size: 40px;
    }

    .benefit-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 991px) {
    .content-section {
        padding: 80px 0;
    }

    .section-heading {
        margin-bottom: 40px;
    }

    .section-heading h2 {
        font-size: 36px;
    }

    .text-content p,
    .narrow-text p,
    .closing-text,
    .center-text {
        font-size: 17px;
    }

    .people-grid,
    .benefit-grid {
        grid-template-columns: 1fr;
    }

    .benefit-item {
        min-height: auto;
    }

    .bottom-quote h2 {
        font-size: 38px;
    }
}

@media (max-width: 767px) {
    .content-section {
        padding: 65px 0;
    }

    .section-heading {
        margin-bottom: 35px;
    }

    .section-heading h2 {
        font-size: 31px;
        letter-spacing: -0.4px;
    }

    .section-tag {
        padding: 8px 16px;
        font-size: 13px;
    }

    .text-content p,
    .narrow-text p,
    .closing-text,
    .center-text,
    .simple-list > div,
    .feature-list > div {
        font-size: 16px;
    }

    .question-item {
        gap: 14px;
        padding: 18px;
        border-radius: 17px;
    }

    .question-item span {
        flex-basis: 40px;
        width: 40px;
        height: 40px;
    }

    .question-item p {
        margin-top: 2px;
        font-size: 16px;
    }

    .process-row {
        grid-template-columns: 48px 1fr;
        gap: 15px;
        padding: 21px 19px;
        border-radius: 17px;
    }

    .process-row > span {
        width: 44px;
        height: 44px;
    }

    .process-row h3 {
        font-size: 20px;
    }

    .process-row p,
    .benefit-item p,
    .person-item p,
    .faq-list details p {
        font-size: 15px;
    }

    .benefit-item,
    .person-item {
        padding: 25px 22px;
        border-radius: 18px;
    }

    .benefit-item h3,
    .person-item h3 {
        font-size: 20px;
    }

    .feature-list > div {
        padding: 18px 19px;
        border-radius: 15px;
    }

    .faq-list summary {
        padding: 18px 50px 18px 19px;
        font-size: 16px;
    }

    .faq-list details p {
        padding: 0 19px 20px;
    }

    .final-cta {
        padding-left: 10px;
        padding-right: 10px;
    }

    .final-cta a,
    .bottom-quote-btn {
        width: 100%;
        max-width: 320px;
        text-align: center;
    }

    .bottom-quote {
        padding: 75px 0;
    }

    .bottom-quote h2 {
        font-size: 32px;
    }

    .bottom-quote p {
        font-size: 16px;
    }

    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }

    .footer-bottom p {
        text-align: center;
    }
}

@media (max-width: 575px) {
    .section-heading h2 {
        font-size: 28px;
    }

    .section-tag {
        font-size: 12px;
        padding: 7px 14px;
    }

    .text-content p,
    .narrow-text p,
    .closing-text,
    .center-text {
        font-size: 15px;
        line-height: 1.85;
    }

    .simple-list > div,
    .feature-list > div {
        font-size: 15px;
    }

    .bottom-quote h2 {
        font-size: 29px;
    }
}

/* =========================================================
   FINAL SPACING FIXES
   Paste this at the VERY END of term.css
   ========================================================= */

/* 1. Same left and right spacing as the Hero section */
.content-section .container {
    width: 100%;
    max-width: none;
    padding-left: clamp(20px, 5.5vw, 105px);
    padding-right: clamp(20px, 5.5vw, 105px);
}

/* Remove the extra narrow width from inner Term Page sections */
.narrow-container,
.section-heading,
.text-content,
.narrow-text,
.closing-text,
.question-list,
.simple-list,
.process-list,
.benefit-grid,
.feature-list,
.people-grid,
.faq-list {
    max-width: none;
}

/* 2. Make the last box in "Who Should Buy a Term Insurance Plan"
   take the complete width */
.people-grid .person-item:last-child {
    grid-column: 1 / -1;
}