/* =============================================
   styles.css — Income Takaful
   MUHAZU Global  |  Prefix: it-
   ============================================= */

html { overflow-x: hidden; }
body { overflow-x: hidden; max-width: 100%; }

/* ---- Keyframes ---- */
@keyframes it-fade-up {
  from { opacity: 0; transform: translateY(20px); }
  to   { opacity: 1; transform: translateY(0); }
}

@keyframes it-bg-zoom {
  from { transform: scale(1.04); }
  to   { transform: scale(1); }
}

@keyframes it-marquee-scroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}

/* ---- Scroll reveal ---- */
.it-reveal-left,
.it-reveal-right,
.it-reveal-up {
  opacity: 0;
  transition: opacity 600ms ease, transform 600ms ease;
  transition-delay: var(--it-delay, 0ms);
}

.it-reveal-left  { transform: translateX(-28px); }
.it-reveal-right { transform: translateX(28px); }
.it-reveal-up    { transform: translateY(14px); }

.it-reveal-left.is-visible,
.it-reveal-right.is-visible,
.it-reveal-up.is-visible {
  opacity: 1;
  transform: none;
}

/* ---- Eyebrow ---- */
.it-eyebrow {
  font-size: 0.62rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: #CCF045;
  display: inline-block;
  padding-bottom: 7px;
  border-bottom: 2px solid #CCF045;
  width: fit-content;
  margin-bottom: 1.25rem;
}

/* ---- Hero load anims (direct CSS, no JS dependency) ---- */
.it-anim-1, .it-anim-2, .it-anim-3, .it-anim-4 { opacity: 0; }

.it-anim-1 { animation: it-fade-up 650ms ease forwards; animation-delay: 100ms; }
.it-anim-2 { animation: it-fade-up 600ms ease forwards; animation-delay: 280ms; }
.it-anim-3 { animation: it-fade-up 500ms ease forwards; animation-delay: 440ms; }
.it-anim-4 { animation: it-fade-up 500ms ease forwards; animation-delay: 600ms; }

/* ============================================= */
/* SECTION 01 — HERO                             */
/* ============================================= */

.it-hero {
  position: relative;
  min-height: 92vh;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.it-hero-bg {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  z-index: 0;
  animation: it-bg-zoom 1200ms ease-out forwards;
}

.it-hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    rgba(13,13,13,0.92) 0%,
    rgba(13,13,13,0.80) 45%,
    rgba(13,13,13,0.35) 100%
  );
  z-index: 1;
}

.it-hero-content {
  position: relative;
  z-index: 2;
  padding: 160px 5% 40px 10%;
  max-width: 900px;
  margin: 0;
  width: 100%;
  box-sizing: border-box;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 22px;
}

.it-h1 {
  font-size: clamp(2rem, 4.2vw, 3.6rem);
  font-weight: 800;
  color: #ffffff;
  line-height: 1.1;
  letter-spacing: -0.02em;
  max-width: 680px;
  margin: 0;
}

.it-h1-highlight {
  color: #CCF045;
  font-style: italic;
}

/* Lime underline accent */
.it-hero-accent {
  width: 56px;
  height: 4px;
  background: #CCF045;
  border-radius: 2px;
  margin-top: -6px;
}

/* Supporting paragraph */
.it-hero-para {
  font-size: clamp(0.9rem, 1.4vw, 1.05rem);
  color: rgba(255,255,255,0.62);
  line-height: 1.75;
  max-width: 500px;
  margin: 0;
}

/* Dual CTA container */
.it-hero-ctas {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  align-items: center;
  margin-top: 6px;
}

.it-hero-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.875rem;
  font-weight: 700;
  padding: 0.85rem 1.6rem;
  border-radius: 10px;
  text-decoration: none;
  transition: background 200ms ease, box-shadow 200ms ease, color 200ms ease;
}

.it-btn-primary {
  background: #CCF045;
  color: #0D0D0D;
}
.it-btn-primary:hover {
  background: #d4f55e;
  box-shadow: 0 6px 24px rgba(204,240,69,0.35);
}

.it-btn-ghost {
  background: rgba(255,255,255,0.08);
  color: #ffffff;
  border: 1px solid rgba(255,255,255,0.2);
}
.it-btn-ghost:hover {
  background: rgba(255,255,255,0.14);
}

/* Stats row */
.it-hero-stats {
  position: relative;
  z-index: 2;
  display: flex;
  align-items: center;
  padding: 28px 5% 28px 10%;
  max-width: 100%;
  width: 100%;
  margin: auto 0 0 0;
  box-sizing: border-box;
}

.it-stat-item {
  display: flex;
  flex-direction: column;
  gap: 5px;
  padding-right: 40px;
}

.it-stat-num {
  font-size: clamp(1.6rem, 2.5vw, 2.2rem);
  font-weight: 800;
  color: #CCF045;
  line-height: 1;
}

.it-stat-label {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
}

.it-stat-divider {
  width: 1px;
  height: 38px;
  background: rgba(255,255,255,0.15);
  margin-right: 40px;
  flex-shrink: 0;
}

/* Responsive */
@media (max-width: 768px) {
  .it-hero-content { padding: 110px 5% 28px; gap: 14px; }
  .it-h1           { font-size: clamp(1.4rem, 6vw, 1.9rem); }
  .it-hero-para    { font-size: 0.82rem; line-height: 1.65; max-width: 100%; }
  .it-hero-accent  { width: 40px; height: 3px; }
  .it-hero-ctas    { flex-direction: column; align-items: flex-start; gap: 8px; margin-top: 2px; }
  .it-hero-btn     { font-size: 0.72rem; padding: 0.55rem 1rem; width: 100%; max-width: 220px; justify-content: center; }
  .it-hero-stats   { padding: 14px 5%; flex-wrap: nowrap; gap: 0; justify-content: space-between; }
  .it-stat-item    { padding-right: 0; align-items: center; text-align: center; }
  .it-stat-num     { font-size: 1.1rem; }
  .it-stat-label   { font-size: 0.58rem; }
  .it-stat-divider { display: block; height: 28px; margin-right: 0; }
}

/* ---- Embedded Marquee ---- */
.it-hero-marquee-wrap {
  position: relative;
  z-index: 2;
  overflow: hidden;
  width: 100%;
  padding: 16px 0;
  border-top: 1px solid rgba(255,255,255,0.10);
  margin-top: auto;
}

.it-hero-marquee-track {
  display: inline-flex;
  white-space: nowrap;
  animation: it-marquee-scroll 24s linear infinite;
  will-change: transform;
}

.it-marquee-item {
  font-size: clamp(14px, 2vw, 22px);
  font-weight: 300;
  letter-spacing: 1px;
  color: rgba(255,255,255,0.75);
  padding: 0 32px;
}

.it-marquee-sep {
  color: rgba(255,255,255,0.30);
  margin: 0 8px;
}

@media (max-width: 768px) {
  .it-hero         { min-height: 400px; }
  .it-hero-content { padding: 110px 5% 36px; gap: 20px; }
  .it-h1           { font-size: clamp(1.5rem, 6vw, 2rem); }
  .it-h1 br        { display: none; }
}

@media (prefers-reduced-motion: reduce) {
  .it-hero-marquee-track { animation: none; }
}

/* ============================================= */
/* SECTION 02 — FEATURE SPLIT (Image LEFT)       */
/* ============================================= */

.it-split {
  background: #ffffff;
  padding: 100px 5%;
}

.it-split-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 45fr 55fr;
  gap: 64px;
  align-items: center;
}

.it-split-img {
  width: 100%;
  aspect-ratio: 16 / 9;
  border-radius: 20px;
  overflow: hidden;
}

.it-split-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  display: block;
}

.it-split-h2 {
  font-size: clamp(1.6rem, 2.8vw, 2.4rem);
  font-weight: 700;
  color: #0D0D0D;
  line-height: 1.2;
  max-width: 480px;
  margin: 0 0 14px;
}

.it-split-para {
  font-size: 0.95rem;
  line-height: 1.75;
  color: #555555;
  max-width: 480px;
  margin: 0 0 36px;
}

.it-features {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.it-feature {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 20px 0;
  border-top: 1px solid rgba(0,0,0,0.07);
}

.it-feature:first-child { border-top: none; padding-top: 0; }

.it-feature-icon {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: #CCF045;
  color: #0D0D0D;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.875rem;
  font-weight: 800;
  flex-shrink: 0;
  margin-top: 2px;
}

.it-feature-body h3 {
  font-size: 0.9rem;
  font-weight: 700;
  color: #0D0D0D;
  margin: 0 0 6px;
}

.it-feature-body p {
  font-size: 0.875rem;
  line-height: 1.65;
  color: #666666;
  margin: 0;
}

@media (max-width: 900px) {
  .it-split-inner { grid-template-columns: 1fr; gap: 40px; }
  .it-split       { padding: 64px 5%; }
}

/* ============================================= */
/* SECTION 03 — SERVICE CARDS GRID (4-column)    */
/* ============================================= */

.it-grid-section {
  background: #F9F9F7;
  padding: 90px 5%;
}

.it-grid-inner {
  max-width: 1200px;
  margin: 0 auto;
}

.it-grid-head {
  margin-bottom: 48px;
}

.it-grid-h2 {
  font-size: clamp(1.6rem, 2.8vw, 2.4rem);
  font-weight: 700;
  color: #0D0D0D;
  line-height: 1.2;
  margin: 0 0 12px;
}

.it-grid-para {
  font-size: 0.95rem;
  line-height: 1.7;
  color: #555555;
  max-width: 560px;
  margin: 0;
}

/* 4-column grid */
.it-svc-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}

.it-svc-card {
  display: flex;
  flex-direction: column;
  text-decoration: none;
  border-radius: 16px;
  overflow: hidden;
  border: 1px solid rgba(0,0,0,0.07);
  background: #ffffff;
  transition: transform 300ms ease, box-shadow 300ms ease;
}

.it-svc-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 16px 40px rgba(0,0,0,0.09);
}

.it-svc-img-wrap {
  position: relative;
  aspect-ratio: 4 / 3;
  overflow: hidden;
}

.it-svc-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 400ms ease;
}

.it-svc-card:hover .it-svc-img-wrap img {
  transform: scale(1.06);
}

.it-svc-overlay {
  position: absolute;
  inset: 0;
  background: rgba(0,0,0,0);
  transition: background 300ms ease;
}

.it-svc-card:hover .it-svc-overlay {
  background: rgba(0,0,0,0.10);
}

.it-svc-label {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 18px;
  gap: 8px;
}

.it-svc-title {
  font-size: 0.875rem;
  font-weight: 600;
  color: #0D0D0D;
  line-height: 1.3;
}

.it-svc-arrow {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  border: 1px solid rgba(0,0,0,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.875rem;
  color: #0D0D0D;
  flex-shrink: 0;
  transition: background 200ms ease, color 200ms ease, border-color 200ms ease, transform 200ms ease;
}

.it-svc-card:hover .it-svc-arrow {
  background: #0D0D0D;
  color: #ffffff;
  border-color: #0D0D0D;
  transform: translate(2px, -2px);
}

@media (max-width: 900px) {
  .it-svc-grid  { grid-template-columns: repeat(2, 1fr); }
  .it-grid-section { padding: 64px 5%; }
}

@media (max-width: 560px) {
  .it-svc-grid  { grid-template-columns: 1fr; }
}

/* ============================================= */
/* SECTION 04 — ENGAGE SPLIT                     */
/* ============================================= */

.it-engage {
  background: #ffffff;
  padding: 100px 5%;
}

.it-engage-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 55fr 45fr;
  gap: 60px;
  align-items: start;
}

/* LEFT */
.it-engage-h2 {
  font-size: clamp(1.6rem, 2.8vw, 2.4rem);
  font-weight: 700;
  color: #0D0D0D;
  line-height: 1.2;
  max-width: 480px;
  margin: 0 0 14px;
}

.it-engage-para {
  font-size: 0.95rem;
  line-height: 1.75;
  color: #555555;
  max-width: 480px;
  margin: 0 0 36px;
}

.it-engage-features {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-bottom: 36px;
}

.it-engage-feat {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}

.it-engage-feat-icon {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: rgba(204,240,69,0.15);
  color: #0D0D0D;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8rem;
  font-weight: 800;
  flex-shrink: 0;
  margin-top: 2px;
}

.it-engage-feat-body h3 {
  font-size: 0.9rem;
  font-weight: 700;
  color: #0D0D0D;
  margin: 0 0 4px;
}

.it-engage-feat-body p {
  font-size: 0.875rem;
  line-height: 1.65;
  color: #666666;
  margin: 0;
}

.it-engage-cta {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: #0D0D0D;
  color: #ffffff;
  font-size: 0.875rem;
  font-weight: 700;
  padding: 0.8rem 1.5rem;
  border-radius: 999px;
  text-decoration: none;
  transition: background 200ms ease, box-shadow 200ms ease;
}

.it-engage-cta:hover {
  background: #CCF045;
  color: #0D0D0D;
}

/* RIGHT */
.it-engage-right {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

/* Phone widget */
.it-phone-widget {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  background: #ffffff;
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: 14px;
  padding: 14px 20px;
  text-decoration: none;
  width: fit-content;
  transition: box-shadow 200ms ease, transform 150ms ease;
}

.it-phone-widget:hover {
  box-shadow: 0 8px 24px rgba(0,0,0,0.08);
  transform: translateY(-2px);
}

.it-phone-icon {
  width: 44px;
  height: 44px;
  min-width: 44px;
  background: #CCF045;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
}

.it-phone-text {
  display: flex;
  flex-direction: column;
  gap: 2px;
}

.it-phone-label {
  font-size: 0.75rem;
  color: #888888;
  font-weight: 500;
}

.it-phone-num {
  font-size: 1.1rem;
  font-weight: 700;
  color: #0D0D0D;
  line-height: 1.2;
}

/* Stacked images */
.it-stacked-imgs {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.it-stack-img {
  width: 100%;
  aspect-ratio: 16 / 9;
  object-fit: cover;
  border-radius: 14px;
  display: block;
}

.it-stack-img--offset {
  width: 85%;
  align-self: flex-end;
}

@media (max-width: 900px) {
  .it-engage-inner { grid-template-columns: 1fr; gap: 48px; }
  .it-engage       { padding: 64px 5%; }
  .it-stack-img--offset { width: 100%; }
}

/* ============================================= */
/* SECTION 05 — IMPACT CARDS (2 large)           */
/* ============================================= */

.it-impact {
  background: #F9F9F7;
  padding: 90px 5%;
}

.it-impact-inner {
  max-width: 1200px;
  margin: 0 auto;
}

.it-impact-h2 {
  font-size: clamp(1.6rem, 2.8vw, 2.4rem);
  font-weight: 700;
  color: #0D0D0D;
  line-height: 1.2;
  margin: 0 0 36px;
}

.it-impact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.it-impact-card {
  position: relative;
  display: block;
  border-radius: 20px;
  overflow: hidden;
  text-decoration: none;
  aspect-ratio: 4 / 3;
  cursor: pointer;
}

.it-impact-img-wrap {
  position: absolute;
  inset: 0;
}

.it-impact-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 500ms ease;
}

.it-impact-card:hover .it-impact-img-wrap img {
  transform: scale(1.06);
}

.it-impact-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to bottom, rgba(0,0,0,0) 30%, rgba(0,0,0,0.65) 100%);
  transition: background 300ms ease;
}

.it-impact-card:hover .it-impact-overlay {
  background: linear-gradient(to bottom, rgba(0,0,0,0.10) 0%, rgba(0,0,0,0.75) 100%);
}

.it-impact-content {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  padding: 28px 28px 32px;
  z-index: 1;
}

.it-impact-title {
  font-size: 1.3rem;
  font-weight: 700;
  color: #ffffff;
  margin: 0 0 8px;
  line-height: 1.25;
}

.it-impact-desc {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.80);
  line-height: 1.6;
  margin: 0;
  max-width: 380px;
  max-height: 0;
  overflow: hidden;
  opacity: 0;
  transition: max-height 300ms ease, opacity 300ms ease;
}

.it-impact-card:hover .it-impact-desc {
  max-height: 80px;
  opacity: 1;
}

/* Always show on touch/mobile */
@media (hover: none) {
  .it-impact-desc {
    max-height: none;
    opacity: 1;
  }
}

@media (max-width: 768px) {
  .it-impact-grid { grid-template-columns: 1fr; }
  .it-impact      { padding: 64px 5%; }
  .it-impact-card { aspect-ratio: 3 / 2; }
}

/* ============================================= */
/* SECTION 06 — CTA BANNER                       */
/* ============================================= */
/* SECTION 05B — CALCULATOR                      */
/* ============================================= */

.it-calc {
  background: #f9f9f7;
  padding: 100px 5%;
}

.it-calc-inner {
  max-width: 860px;
  margin: 0 auto;
}

.it-calc-head {
  text-align: center;
  margin-bottom: 48px;
}

.it-calc-h2 {
  font-size: clamp(1.6rem, 2.8vw, 2.2rem);
  font-weight: 700;
  color: #0D0D0D;
  margin: 0 0 12px;
  line-height: 1.2;
}

.it-calc-para {
  font-size: 0.95rem;
  color: rgba(0,0,0,0.5);
  margin: 0;
  line-height: 1.65;
}

/* Card */
.it-calc-card {
  background: #ffffff;
  border: 1px solid rgba(0,0,0,0.08);
  border-radius: 20px;
  padding: 36px 40px;
  box-shadow: 0 8px 40px rgba(0,0,0,0.06);
  display: flex;
  flex-direction: column;
  gap: 24px;
}

/* Row */
.it-calc-row {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  text-align: center;
}

.it-calc-label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(0,0,0,0.38);
}

/* Toggle group */
.it-toggle-group {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  justify-content: center;
}

.it-tog {
  padding: 0.55rem 1.1rem;
  border-radius: 8px;
  border: 1.5px solid rgba(0,0,0,0.12);
  background: transparent;
  color: rgba(0,0,0,0.55);
  font-size: 0.85rem;
  font-weight: 600;
  font-family: 'Poppins', sans-serif;
  cursor: pointer;
  transition: all 180ms ease;
  white-space: nowrap;
}

.it-tog:hover {
  border-color: #CCF045;
  color: #0D0D0D;
}

.it-tog.is-active {
  background: #CCF045;
  border-color: #CCF045;
  color: #0D0D0D;
}

/* 2-col inline row */
.it-calc-row--2col {
  flex-direction: row;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
}

/* 3-col inline row (Jantina + Umur + Status Merokok) */
.it-calc-row--3col {
  flex-direction: row;
  justify-content: center;
  align-items: flex-start;
  gap: 32px;
  flex-wrap: wrap;
}

.it-calc-group {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  text-align: center;
}

/* Slider row — override center layout, use full-width column */
.it-calc-row--col {
  align-items: flex-start;
  text-align: left;
  gap: 14px;
}

.it-slider-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
}

.it-slider-val {
  font-size: 1.1rem;
  font-weight: 800;
  color: #0D0D0D;
  letter-spacing: -0.01em;
}

.it-slider-wrap { width: 100%; }

/* Range input */
.it-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 999px;
  background: #e0e0e0;
  outline: none;
  cursor: pointer;
}

.it-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #CCF045;
  border: 3px solid #0D0D0D;
  cursor: grab;
  box-shadow: 0 2px 8px rgba(0,0,0,0.15);
  transition: transform 150ms ease, box-shadow 150ms ease;
}

.it-slider::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: #CCF045;
  border: 3px solid #0D0D0D;
  cursor: grab;
  box-shadow: 0 2px 8px rgba(0,0,0,0.15);
}

.it-slider::-webkit-slider-thumb:active { cursor: grabbing; transform: scale(1.15); }
.it-slider::-moz-range-thumb:active     { cursor: grabbing; transform: scale(1.15); }

.it-slider-labels {
  display: flex;
  justify-content: space-between;
  margin-top: 8px;
  font-size: 0.68rem;
  color: rgba(0,0,0,0.35);
  font-weight: 500;
}

/* Desktop-only / Mobile-only visibility */
.it-mob-only { display: none; }
.it-desk-only { display: flex; }

/* Mobile row: 2 dropdowns side by side */
.it-mob-row {
  display: flex;
  gap: 12px;
  width: 100%;
}

.it-mob-group {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 8px;
  align-items: center;
  text-align: center;
}

/* Mobile select style */
.it-mob-select {
  width: 100%;
  padding: 0.6rem 0.8rem;
  border: 1.5px solid rgba(0,0,0,0.12);
  border-radius: 10px;
  font-size: 0.8rem;
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  color: #0D0D0D;
  background: #ffffff;
  outline: none;
  cursor: pointer;
  appearance: none;
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23999' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 10px center;
  padding-right: 28px;
  transition: border-color 180ms ease;
}
.it-mob-select:focus { border-color: #CCF045; }
.it-mob-select.is-selected { border-color: #CCF045; background-color: rgba(204,240,69,0.06); }

/* Occupation dropdown (mobile only — hidden on desktop) */
.it-occ-select { display: none; }

/* Occupation risk toggles */
.it-occ-group { gap: 8px; }

.it-occ-tog {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  padding: 10px 14px !important;
  min-width: 110px;
}

.it-occ-level {
  font-size: 1.1rem;
  font-weight: 800;
  line-height: 1;
}

.it-occ-desc {
  font-size: 0.68rem;
  font-weight: 500;
  opacity: 0.7;
  line-height: 1.2;
}

.it-occ-tog.is-active .it-occ-desc { opacity: 0.65; }

/* Risk colour hints on hover/active */
.it-occ-group .it-tog[data-val="2"]:hover,
.it-occ-group .it-tog[data-val="2"].is-active { background: #e8f87a; border-color: #e8f87a; }
.it-occ-group .it-tog[data-val="3"]:hover,
.it-occ-group .it-tog[data-val="3"].is-active { background: #f5c842; border-color: #f5c842; }
.it-occ-group .it-tog[data-val="4"]:hover,
.it-occ-group .it-tog[data-val="4"].is-active { background: #f0894a; border-color: #f0894a; }


/* Age input */
.it-age-wrap {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}

.it-age-input {
  width: 80px;
  padding: 0.55rem 0.85rem;
  border: 1.5px solid rgba(0,0,0,0.12);
  border-radius: 8px;
  font-size: 0.95rem;
  font-weight: 700;
  font-family: 'Poppins', sans-serif;
  color: #0D0D0D;
  text-align: center;
  outline: none;
  transition: border-color 180ms;
}

.it-age-input:focus { border-color: #CCF045; }

.it-age-unit {
  font-size: 0.82rem;
  color: rgba(0,0,0,0.4);
  font-weight: 500;
}

/* Divider */
.it-calc-divider {
  height: 1px;
  background: rgba(0,0,0,0.07);
}

/* Result */
.it-calc-result {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}

.it-result-info {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.it-result-label {
  font-size: 0.95rem;
  font-weight: 700;
  color: #0D0D0D;
}

.it-result-note {
  font-size: 0.72rem;
  color: rgba(0,0,0,0.38);
  line-height: 1.5;
}

.it-result-price {
  display: flex;
  align-items: baseline;
  gap: 4px;
  flex-shrink: 0;
}

.it-result-rm {
  font-size: 1.2rem;
  font-weight: 700;
  color: #0D0D0D;
}

.it-result-num {
  font-size: 3rem;
  font-weight: 800;
  color: #0D0D0D;
  line-height: 1;
  letter-spacing: -0.02em;
  transition: all 200ms ease;
}

.it-result-mo {
  font-size: 0.9rem;
  color: rgba(0,0,0,0.4);
  font-weight: 500;
}

/* CTA button */
.it-calc-cta-btn {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  background: #CCF045;
  color: #0D0D0D;
  font-size: 0.875rem;
  font-weight: 700;
  padding: 0;
  border-radius: 14px;
  text-decoration: none;
  overflow: hidden;
  box-shadow: 0 4px 20px rgba(204,240,69,0.3);
  transition: box-shadow 200ms ease, transform 150ms ease;
}

.it-calc-cta-btn:hover {
  box-shadow: 0 8px 32px rgba(204,240,69,0.45);
  transform: translateY(-1px);
}

/* Left text area */
.it-calc-cta-btn span:first-child {
  flex: 1;
  padding: 1rem 1.25rem;
  line-height: 1.35;
}

/* Right arrow box */
.it-calc-cta-btn span:last-child {
  display: flex;
  align-items: center;
  justify-content: center;
  background: #0D0D0D;
  color: #CCF045;
  width: 52px;
  min-height: 100%;
  font-size: 1.1rem;
  flex-shrink: 0;
  transition: background 200ms ease;
  align-self: stretch;
  padding: 0 16px;
}

.it-calc-cta-btn:hover span:last-child { background: #1a1a1a; }

/* Coverage toggle */
.it-cov-wrap { border: 1px solid rgba(0,0,0,0.09); border-radius: 12px; overflow: hidden; }

.it-cov-toggle {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 18px;
  background: rgba(204,240,69,0.08);
  border: none;
  cursor: pointer;
  font-family: 'Poppins', sans-serif;
  transition: background 200ms ease;
}
.it-cov-toggle:hover { background: rgba(204,240,69,0.16); }

.it-cov-toggle-text {
  font-size: 0.85rem;
  font-weight: 600;
  color: #0D0D0D;
}

.it-cov-chevron {
  font-size: 0.6rem;
  color: rgba(0,0,0,0.4);
  transition: transform 280ms ease;
}
.it-cov-toggle[aria-expanded="true"] .it-cov-chevron {
  transform: rotate(180deg);
}

/* Panel */
.it-cov-panel { padding: 0 18px 16px; }

.it-cov-list {
  list-style: none;
  margin: 16px 0 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.it-cov-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.84rem;
}

.it-cov-check {
  color: #CCF045;
  font-size: 0.8rem;
  font-weight: 700;
  flex-shrink: 0;
  background: rgba(204,240,69,0.15);
  width: 20px;
  height: 20px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 1px;
}

.it-cov-name {
  flex: 1;
  color: rgba(0,0,0,0.7);
  line-height: 1.45;
}

.it-cov-sub {
  font-size: 0.75rem;
  color: rgba(0,0,0,0.38);
  display: block;
}

.it-cov-val {
  font-size: 0.85rem;
  font-weight: 700;
  color: #0D0D0D;
  white-space: nowrap;
  flex-shrink: 0;
  margin-left: auto;
  padding-left: 12px;
}
.it-cov-val--lime { color: #5c8a00; }

.it-cov-disclaimer {
  margin: 14px 0 0;
  font-size: 0.7rem;
  color: rgba(0,0,0,0.35);
  line-height: 1.5;
  border-top: 1px solid rgba(0,0,0,0.06);
  padding-top: 12px;
}

/* Mobile */
/* ---- Calculator mobile ---- */
@media (max-width: 640px) {

  /* Section */
  .it-calc         { padding: 52px 4%; }
  .it-calc-h2      { font-size: 1.3rem; }
  .it-calc-para    { font-size: 0.82rem; }
  .it-calc-head    { margin-bottom: 28px; }

  /* Card */
  .it-calc-card    { padding: 20px 16px; gap: 18px; border-radius: 16px; }

  /* Labels */
  .it-calc-label   { font-size: 0.65rem; letter-spacing: 0.08em; }

  /* 3-col → stack to 2 items per row then wrap */
  .it-calc-row--3col {
    gap: 16px 24px;
    justify-content: space-around;
  }

  .it-calc-group   { gap: 8px; }

  /* Toggle buttons */
  .it-tog {
    padding: 0.45rem 0.85rem;
    font-size: 0.75rem;
    border-radius: 7px;
  }

  /* Toggle desktop/mobile visibility */
  .it-desk-only    { display: none !important; }
  .it-mob-only     { display: flex; }

  /* Occupation — hide pill toggles, show dropdown */
  .it-occ-group    { display: none; }
  .it-occ-select   {
    display: block;
    width: 100%;
    max-width: 320px;
    padding: 0.65rem 1rem;
    border: 1.5px solid rgba(0,0,0,0.12);
    border-radius: 10px;
    font-size: 0.8rem;
    font-family: 'Poppins', sans-serif;
    font-weight: 500;
    color: #0D0D0D;
    background: #ffffff;
    outline: none;
    cursor: pointer;
    appearance: none;
    -webkit-appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23999' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 12px center;
    padding-right: 32px;
    transition: border-color 180ms ease;
  }
  .it-occ-select:focus { border-color: #CCF045; }

  /* Age input */
  .it-age-input    { width: 64px; font-size: 0.85rem; padding: 0.45rem 0.6rem; }
  .it-age-unit     { font-size: 0.75rem; }

  /* Slider */
  .it-slider-val   { font-size: 0.9rem; }
  .it-slider-labels { font-size: 0.6rem; }
  .it-slider       { height: 5px; }
  .it-slider::-webkit-slider-thumb { width: 18px; height: 18px; }

  /* Result — horizontal layout on mobile */
  .it-calc-result  { flex-direction: row; align-items: center; justify-content: space-between; gap: 12px; }
  .it-result-info  { flex: 1; min-width: 0; }
  .it-result-label { font-size: 0.82rem; }
  .it-result-note  { font-size: 0.62rem; line-height: 1.4; }
  .it-result-price { flex-shrink: 0; }
  .it-result-num   { font-size: 1.8rem; }
  .it-result-rm    { font-size: 0.9rem; }
  .it-result-mo    { font-size: 0.75rem; }

  /* Coverage toggle */
  .it-cov-toggle-text { font-size: 0.78rem; }
  .it-cov-panel    { padding: 0 12px 12px; }
  .it-cov-list     { gap: 10px; }
  .it-cov-item     { font-size: 0.78rem; flex-wrap: wrap; }
  .it-cov-name     { font-size: 0.78rem; }
  .it-cov-sub      { font-size: 0.68rem; }
  .it-cov-val      { font-size: 0.78rem; padding-left: 30px; margin-left: 0; }
  .it-cov-check    { width: 17px; height: 17px; font-size: 0.65rem; }
  .it-cov-disclaimer { font-size: 0.65rem; }

  /* CTA button */
  .it-calc-cta-btn { font-size: 0.78rem; border-radius: 11px; }
  .it-calc-cta-btn span:first-child { padding: 0.85rem 1rem; }
  .it-calc-cta-btn span:last-child  { padding: 0 14px; font-size: 1rem; }
}

/* ============================================= */

.it-cta {
  background: #0D0D0D;
  padding: 110px 5%;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.it-cta::before {
  content: 'PROTECTED';
  position: absolute;
  bottom: -0.1em;
  left: 50%;
  transform: translateX(-50%);
  font-size: clamp(5rem, 16vw, 14rem);
  font-weight: 800;
  color: #ffffff;
  opacity: 0.025;
  line-height: 1;
  white-space: nowrap;
  pointer-events: none;
  user-select: none;
}

.it-cta-inner {
  max-width: 760px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 24px;
}

.it-cta-h2 {
  font-size: clamp(1.8rem, 3vw, 2.8rem);
  font-weight: 800;
  color: #ffffff;
  line-height: 1.15;
  margin: 0;
}

.it-cta-h2 br { display: block; }

.it-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: #CCF045;
  color: #0D0D0D;
  font-size: 0.9rem;
  font-weight: 700;
  padding: 1rem 1.75rem;
  border-radius: 999px;
  text-decoration: none;
  transition: background 200ms ease, box-shadow 200ms ease;
}

.it-cta-btn:hover {
  background: #d4f55e;
  box-shadow: 0 8px 28px rgba(204,240,69,0.3);
}

.it-cta-note {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.28);
  margin: 0;
  letter-spacing: 0.04em;
}

@media (max-width: 768px) {
  .it-cta     { padding: 72px 5%; }
  .it-cta-h2  { font-size: 1.7rem; }
  .it-cta-h2 br { display: none; }
  .it-cta-btn { width: 100%; justify-content: center; }
}

@media (prefers-reduced-motion: reduce) {
  .it-reveal-left,
  .it-reveal-right,
  .it-reveal-up {
    transition: none;
    opacity: 1;
    transform: none;
  }

  .it-anim-1, .it-anim-2, .it-anim-3 {
    opacity: 1;
    animation: none;
  }

  .it-hero-bg,
  .it-svc-img-wrap img,
  .it-impact-img-wrap img { animation: none; }
}