/* General Styles */
body {
  margin: 0;
  font-family: 'Arial, sans-serif';
  color: #333;
}

a {
  text-decoration: none;
  color: inherit;
}

/* Logo Styles */
.logo {
  font-size: 2em;
  font-weight: bold;
  color: #004aad; /* Primary logo color */
}

/* Navbar Styles */
.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  background-color: #333; /* Navbar background */
  border: 2px solid white;
  padding: 10px;
  border-radius: 10px;
}

.navbar a {
  color: white;
  text-decoration: none;
  padding: 10px 20px; 
  transition: background-color 0.3s, box-shadow 0.3s;
  border: 2px solid transparent;
  border-radius: 10px;
  background-color: #333;
  box-shadow: 0px 4px 6px rgba(0, 0, 0, 0.2); 
}

.navbar a:hover {
  background-color: #004aad; 
  border: 2px solid #004aad; 
}

/* Dropdown Styles */
.dropdown {
  position: relative;
  display: inline-block; 
}

.dropdown span {
  color: white;
  cursor: pointer;
}

.dropdown-content {
  display: none;
  position: absolute;
  background-color: white;
  min-width: 160px;
  border-radius: 5px;
  top: 100%;
  left: 0;
  z-index: 1;
}

.dropdown-content a {
  color: #333;
  padding: 10px;
  text-decoration: none;
  display: block;
  border: 2px solid transparent;
  border-radius: 5px;
  background-color: white;
}

.dropdown-content a:hover {
  background-color: #004aad !important;
  border: 2px solid white !important;
  color: white !important;
}

.dropdown:hover .dropdown-content {
  display: block;
}

/* Ensure Buttons Stay Aligned */
.navbar .dropdown {
  margin: 0;
  vertical-align: middle;
}

/* Mobile Menu Styles */
.mobile-menu {
  display: none;
  flex-direction: column;
  position: absolute;
  top: 70px;
  left: 0;
  width: 100%;
  background-color: #333; /* Mobile menu background matches navbar */
  box-shadow: 0 4px 6px rgba(0, 0, 0, 0.1);
  z-index: 1000;
  padding: 10px 0;
  max-height: 80vh; /* Restrict menu height to 80% of the viewport */
  overflow-y: auto; /* Allow scrolling if menu exceeds the height */
}

.mobile-menu.active {
  display: flex;
}

.mobile-menu a,
.mobile-menu .dropdown {
  padding: 10px 20px;
  text-decoration: none;
  color: white; /* White text for mobile menu links */
  font-size: 1rem;
  border-bottom: 1px solid #444; /* Darker separator */
}

.mobile-menu a:hover {
  background-color: #004aad; /* Match navbar hover color */
  color: white; /* Ensure text remains white on hover */
}

.mobile-menu .close-menu {
  align-self: flex-end;
  margin: 10px 20px 0;
  cursor: pointer;
  font-size: 1.5rem;
  color: white; /* White close icon */
}

/* Hamburger Menu */
.menu-toggle {
  display: none;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  background-color: #f5f5f5;
  border-radius: 5px;
  cursor: pointer;
  z-index: 1001;
}

.menu-toggle i {
  font-size: 1.5rem;
  color: #333;
}

/* Header Styles */
header {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 70px;
  background-color: white;
  box-shadow: 0 4px 6px rgba(0, 0, 0, 0.1);
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 5%;
  box-sizing: border-box;
}

/* Mobile Menu Dropdown Styles */
.dropdown-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  background-color: white;
  border: 1px solid #ddd;
  box-shadow: 0 4px 8px rgba(0, 0, 0, 0.1);
  border-radius: 5px;
  min-width: 200px;
  z-index: 1000;
}

.dropdown-menu li {
  padding: 10px 15px;
  white-space: nowrap;
}

.dropdown-menu li a {
  color: #333;
  font-size: 0.9rem;
}

.dropdown-menu li a:hover {
  color: #cc0000;
  background-color: #f9f9f9;
  border-radius: 5px;
}

.arrow {
  font-size: 0.8rem;
  margin-left: 5px;
}

/* Responsive Design for Small Screens */
@media (max-width: 768px) {
  .navbar {
    display: none; 
  }

  .menu-toggle {
    display: flex; /* Show hamburger menu */
  }

  .navbar-links {
    flex-direction: column;
    gap: 10px;
  }

  .dropdown-menu {
    position: static;
    box-shadow: none;
  }

  /* Mobile Menu Improvement */
  .mobile-menu a,
  .mobile-menu .dropdown {
    padding: 15px; /* Increase padding for better touch interaction */
  }

  .mobile-menu a:hover {
    background-color: #004aad; /* Match navbar hover color */
  }

  .dropdown-content {
    position: static;
    display: block;
    width: 100%;
    background-color: #333; /* Match mobile menu color */
    box-shadow: none;
    padding-left: 20px;
  }

  .mobile-menu .dropdown-content a {
    padding: 12px;
    color: white; /* White text for dropdown items */
    background-color: #333; /* Background matches mobile menu */
  }
}




/* Image Container with Overlay */
.image-container {
  position: relative;
  text-align: center;
  color: white;
  margin-top: 90px; /* Add gap from the top */
}

.image-container img {
  height: 100vh; /* Full viewport height for a more impactful look */
  width: 100%; /* Full width to cover the container */
  object-fit: cover; /* Ensures the image covers the area without stretching */
}

.text-overlay {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%); /* Center the text */
  background-color: rgba(0, 0, 0, 0.6); /* Semi-transparent background */
  padding: 20px;
  border-radius: 10px;
  text-align: center;
  width: 70%; /* Wider overlay for larger text */
  box-sizing: border-box;
}

.text-overlay h1 {
  font-size: 2.5rem; /* Heading size for better readability */
  margin: 0 0 10px;
}

.text-overlay p {
  font-size: 1.5rem; /* Larger font for better readability */
  line-height: 1.6; /* Enhanced line spacing for clarity */
  margin-bottom: 20px;
}

/* **Responsive Design for Small Screens (max-width: 480px)** */

/* For small screens (max-width: 480px) */
@media (max-width: 480px) {
  /* Image adjustments */
  .image-container img {
    height: 50vh; /* Reduce height for small screens */
  }

  /* Text Overlay */
  .text-overlay {
    width: 90%; /* Make the overlay take up more width on small screens */
    padding: 15px; /* Reduce padding for smaller screens */
  }

  .text-overlay h1 {
    font-size: 1.8rem; /* Reduce heading size */
    margin-bottom: 10px;
  }

  .text-overlay p {
    font-size: 1.2rem; /* Slightly smaller font size for better readability on small screens */
    line-height: 1.5; /* Adjust line height for smaller screens */
    margin-bottom: 15px; /* Reduced bottom margin for better spacing */
  }
}

/* **For Tablets and Larger Screens (480px - 1024px)** */
@media (min-width: 481px) and (max-width: 1024px) {
  /* Image adjustments */
  .image-container img {
    height: 70vh; /* Slightly reduce the image height */
  }

  /* Text Overlay */
  .text-overlay {
    width: 80%; /* Adjust width for tablets */
    padding: 20px;
  }

  .text-overlay h1 {
    font-size: 2rem; /* Slightly reduce font size on tablets */
    margin-bottom: 15px;
  }

  .text-overlay p {
    font-size: 1.4rem; /* Slightly reduce font size on tablets */
    line-height: 1.6;
    margin-bottom: 20px; /* Adjust bottom margin for better spacing */
  }
}

/* **For Large Screens (1025px and above)** */
@media (min-width: 1025px) {
  /* Image adjustments */
  .image-container img {
    height: 100vh; /* Full height for larger screens */
  }

  /* Text Overlay */
  .text-overlay {
    width: 70%; /* Keep the width as 70% for large screens */
    padding: 20px;
  }

  .text-overlay h1 {
    font-size: 2.5rem; /* Larger heading for large screens */
    margin-bottom: 20px;
  }

  .text-overlay p {
    font-size: 1.5rem; /* Default paragraph size for large screens */
    line-height: 1.6;
    margin-bottom: 20px;
  }
}





  
 /* What We Offer Section */
.offer-section {
  text-align: center;
  padding: 60px 5%;
}

.offer-section h2 {
  font-size: 1.5rem;
  color: #004aad;
  margin-bottom: 10px;
}

.offer-section h3 {
  font-size: 2rem;
  font-weight: bold;
  margin-bottom: 20px;
  animation: fadeIn 1s ease-in-out;
}

.offer-section p {
  font-size: 1.2rem;
  line-height: 1.6;
  animation: fadeIn 1.5s ease-in-out;
}

/* Animations */
@keyframes fadeIn {
  from {
    opacity: 0;
    transform: translateY(10px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes slideIn {
  from {
    opacity: 0;
    transform: translateX(20px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

/* **Responsive Design for Small Screens (max-width: 768px)** */

/* For tablets and smaller screens */
@media (max-width: 768px) {
  .offer-section {
    padding: 40px 5%; /* Adjust padding for smaller screens */
  }

  .offer-section h2 {
    font-size: 1.2rem; /* Slightly smaller h2 font size */
    margin-bottom: 8px; /* Reduced margin for better spacing */
  }

  .offer-section h3 {
    font-size: 1.6rem; /* Slightly smaller heading font size */
    margin-bottom: 15px; /* Reduced margin for better spacing */
  }

  .offer-section p {
    font-size: 1rem; /* Slightly smaller paragraph text */
    line-height: 1.5; /* Adjust line height for smaller text */
    margin-bottom: 20px; /* Adjust spacing below paragraphs */
  }
}

/* **For Mobile Screens (max-width: 480px)** */
@media (max-width: 480px) {
  .offer-section {
    padding: 30px 5%; /* Reduce padding for mobile screens */
  }

  .offer-section h2 {
    font-size: 1rem; /* Further reduce h2 font size */
    margin-bottom: 5px; /* Adjust margin for better spacing */
  }

  .offer-section h3 {
    font-size: 1.4rem; /* Further reduce heading font size */
    margin-bottom: 10px; /* Adjust margin for better spacing */
  }

  .offer-section p {
    font-size: 0.9rem; /* Further reduce paragraph text size */
    line-height: 1.4; /* Adjust line height for readability */
    margin-bottom: 15px; /* Adjust margin for better spacing */
  }
}



/* Policyholder Benefits Section */
.policyholder-benefits {
  display: grid;
  grid-template-columns: repeat(3, 1fr); /* Three cards in a row */
  gap: 30px; /* Increase gap between cards */
  padding: 40px 10%; /* Adjust padding for spacing */
}

.benefit-card {
  background-color: white;
  border: 1px solid #ddd;
  border-radius: 10px;
  box-shadow: 0 4px 6px rgba(0, 0, 0, 0.1);
  padding: 20px; /* Slightly reduced padding for a more compact look */
  text-align: center;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.benefit-card:hover {
  transform: scale(1.05); /* Subtle zoom effect */
  box-shadow: 0 6px 8px rgba(0, 0, 0, 0.15);
}

.benefit-card img {
  width: 100%; /* Full width for image responsiveness */
  height: auto; /* Maintain aspect ratio */
  border-radius: 8px;
  object-fit: cover; /* Ensures image covers the container without distortion */
  margin-bottom: 20px;
}

.benefit-card h3 {
  font-size: 1.8rem; /* Larger, professional title size */
  color: #004aad;
  margin-bottom: 15px;
}

.benefit-card p {
  font-size: 1.125rem; /* Slightly larger text for readability */
  line-height: 1.6;
  color: #555;
  text-align: center; /* Center-align text for better readability */
  padding: 0 10px; /* Add horizontal padding for a neat look */
  margin-bottom: 15px;
}

/* Responsive Adjustments */
@media (max-width: 1024px) {
  .policyholder-benefits {
    grid-template-columns: repeat(2, 1fr); /* Two cards per row */
  }

  .benefit-card {
    padding: 15px; /* Reduced padding for better fit on medium screens */
  }

  .benefit-card h3 {
    font-size: 1.75rem; /* Adjust title size for medium screens */
  }

  .benefit-card p {
    font-size: 1rem; /* Adjust paragraph size for medium screens */
  }
}

@media (max-width: 768px) {
  .policyholder-benefits {
    grid-template-columns: 1fr; /* Single card per row for small screens */
    gap: 20px;
  }

  .benefit-card h3 {
    font-size: 1.5rem; /* Smaller heading for mobile */
  }

  .benefit-card p {
    font-size: 0.95rem; /* Slightly smaller text for mobile */
  }
}

/* Initial State for Benefit Cards */
.benefit-card {
  opacity: 0; /* Hidden initially */
  transform: translateY(50px) scale(0.9); /* Start from below and slightly scaled down */
  transition: opacity 0.6s ease, transform 0.6s ease; /* Smooth transition for opacity and position */
}

/* Visible State for Benefit Cards */
.benefit-card.visible {
  opacity: 1; /* Fully visible */
  transform: translateY(0) scale(1); /* Normal position and size */
}

/* Hover Effect (Remains the Same) */
.benefit-card:hover {
  transform: scale(1.05); /* Subtle zoom effect */
  box-shadow: 0 6px 8px rgba(0, 0, 0, 0.15);
}



.faq-section {
  padding: 40px 20px;
  background-color: #f9f9f9;
  border-top: 3px solid #004aad;
}

.faq-section h2 {
  text-align: center;
  font-size: 2rem;
  margin-bottom: 20px;
  color: #333;
}

.faq-container {
  max-width: 800px;
  margin: 0 auto;
}

.faq {
  background-color: #fff;
  margin-bottom: 10px;
  border: 1px solid #ddd;
  border-radius: 5px;
  overflow: hidden;
}

.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 15px 20px;
  cursor: pointer;
  font-size: 1.2rem;
  background-color: #004aad;
  color: white;
}

.faq-question:hover {
  background-color: #333;
}

.faq-answer {
  display: none;
  padding: 15px 20px;
  font-size: 20px;
  font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
  line-height: 1.6;
  color: #333;
}

.faq-answer.active {
  display: block;
}

.toggle-icon {
  font-size: 1.5rem;
  font-weight: bold;
  cursor: pointer;
}

/* **Responsive Design for Small Screens (max-width: 768px)** */

@media (max-width: 768px) {
  .faq-section {
    padding: 30px 10px; /* Reduce padding for smaller screens */
  }

  .faq-section h2 {
    font-size: 1.6rem; /* Adjust font size */
    margin-bottom: 15px; /* Reduce margin */
  }

  .faq-container {
    padding: 0 20px; /* Add some padding on the sides */
    max-width: 100%; /* Make container width responsive */
  }

  .faq-question {
    padding: 12px 15px; /* Reduce padding */
    font-size: 1rem; /* Smaller font size */
  }

  .faq-answer {
    font-size: 1rem; /* Reduce font size for better readability */
    padding: 12px 15px; /* Reduce padding */
  }
}

/* **For Mobile Screens (max-width: 480px)** */

@media (max-width: 480px) {
  .faq-section {
    padding: 20px 5px; /* Further reduce padding for mobile */
  }

  .faq-section h2 {
    font-size: 1.4rem; /* Smaller heading for mobile */
    margin-bottom: 10px; /* Adjust margin */
  }

  .faq-container {
    padding: 0 10px; /* Less padding on mobile */
  }

  .faq-question {
    font-size: 0.9rem; /* Further reduce font size */
    padding: 10px 12px; /* Reduce padding */
  }

  .faq-answer {
    font-size: 0.9rem; /* Adjust font size */
    padding: 10px 12px; /* Adjust padding for mobile */
  }

  .toggle-icon {
    font-size: 1.2rem; /* Smaller toggle icon on mobile */
  }
}

  
 /* Footer */
.footer {
  background-color: #000;
  color: white;
  padding: 40px 20px;
  font-family: Arial, sans-serif;
}

.footer-top {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  margin-bottom: 20px;
}

.footer-logo h2 {
  font-size: 1.8rem;
  color: #cc0000;
  margin-bottom: 10px;
}

.footer-logo p {
  font-size: 1rem;
  line-height: 1.6;
  margin-bottom: 15px;
}

.footer-social a {
  color: white;
  font-size: 1.5rem;
  margin-right: 15px;
  transition: color 0.3s ease;
}

.footer-social a:hover {
  color: #cc0000;
}

.app-links img {
  width: 120px;
  margin-right: 10px;
  transition: transform 0.2s ease-in-out;
}

.app-links img:hover {
  transform: scale(1.1);
}

.footer-links {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 20px;
}

.footer-column h3 {
  font-size: 1.2rem;
  margin-bottom: 15px;
}

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

.footer-column ul li {
  margin-bottom: 10px;
}

.footer-column ul li a {
  color: white;
  text-decoration: none;
  font-size: 1rem;
  transition: color 0.3s ease;
}

.footer-column ul li a:hover {
  color: #cc0000;
}

.footer-column p {
  font-size: 1rem;
  line-height: 1.6;
  margin: 10px 0;
}

.footer-column p i {
  margin-right: 10px;
}

.footer-bottom {
  text-align: center;
  border-top: 1px solid rgba(255, 255, 255, 0.2);
  padding-top: 20px;
}

.footer-bottom p {
  font-size: 0.9rem;
  margin: 5px 0;
}

.footer-bottom a {
  color: white;
  text-decoration: none;
  margin: 0 5px;
  transition: color 0.3s ease;
}

.footer-bottom a:hover {
  color: #cc0000;
}

/* Footer Styling (Second File) */
.footer {
  background-color: #333;
  color: white;
  padding: 30px 0;
  font-family: Arial, sans-serif;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
}

.footer-logo {
  text-align: left;
  flex: 1;
  margin-left: 20px;
}

.footer-social {
  margin-top: 20px;
}

.footer-logo h2 {
  font-size: 2em;
  margin-bottom: 10px;
  color: #004aad;
}

.footer-logo p {
  font-size: 1.2em;
  margin-bottom: 15px;
}

.footer-social a {
  margin: 0 10px;
  color: white;
  font-size: 1.5em;
}

.footer-social a:hover {
  color: #004aad;
}

.footer-links {
  display: flex;
  justify-content: flex-end;
  flex-wrap: wrap;
  flex: 3;
}

.footer-column {
  width: 25%;
  margin-bottom: 20px;
}

.footer-column h3 {
  font-size: 1.5em;
  margin-bottom: 15px;
  color: #004aad;
}

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

.footer-column li {
  margin-bottom: 10px;
  font-size: 1.1em;
}

.footer-column li a {
  color: white;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
}

.footer-column li a:hover {
  color: whitesmoke !important;
}

.footer-column li::before {
  content: "→";
  margin-right: 10px;
  font-size: 1.5em;
  color: white;
  vertical-align: middle;
}

.footer-bottom {
  text-align: center;
  margin-top: 20px;
  width: 100%;
  padding-top: 20px;
}

.footer-bottom p {
  font-size: 1em;
  margin: 10px 0;
}

/* Responsive Design for Footer */
@media (max-width: 1200px) {
  .footer-top {
    flex-direction: column;
    align-items: center;
  }

  .footer-logo {
    text-align: center;
    margin: 10px 0;
  }

  .footer-social {
    text-align: center;
    margin-top: 10px;
  }

  .footer-links {
    flex-direction: column;
    align-items: center;
    margin-top: 20px;
  }

  .footer-column {
    width: 50%;
    text-align: center;
    margin-bottom: 20px;
  }
}

@media (max-width: 768px) {
  .footer-top {
    flex-direction: column;
    align-items: center;
  }

  .footer-logo h2 {
    font-size: 1.6rem;
  }

  .footer-logo p {
    font-size: 1rem;
  }

  .footer-social a {
    font-size: 1.3rem;
    margin-right: 10px;
  }

  .footer-links {
    flex-direction: column;
    align-items: center;
    width: 100%;
  }

  .footer-column {
    width: 100%;
    text-align: center;
    margin-bottom: 15px;
  }

  .footer-column h3 {
    font-size: 1.3rem;
  }

  .footer-bottom p {
    font-size: 0.8rem;
  }
}

@media (max-width: 480px) {
  .footer-logo h2 {
    font-size: 1.4rem;
  }

  .footer-logo p {
    font-size: 0.9rem;
  }

  .footer-social a {
    font-size: 1.2rem;
  }

  .footer-column h3 {
    font-size: 1.2rem;
  }

  .footer-bottom p {
    font-size: 0.7rem;
  }
}