:root {
  --bg:#ffffff;
  --panel:#f9fafc;
  --muted:#4b5563;
  --text:#1f2937;
  --brand:#1f6feb;
  --accent:#0ea5e9;
  --rounded:16px;
}

*{box-sizing:border-box}
html,body{height:100%}
body{
  margin:0;
  font-family:'Poppins',system-ui,Segoe UI,Roboto,Arial;
  background:var(--bg);
  color:var(--text);
  line-height:1.5;
  -webkit-font-smoothing:antialiased;
  -moz-osx-font-smoothing:grayscale;
}

/* ===== Premium Loader Style ===== */
#loader {
  position: fixed;
  inset: 0;
  background: linear-gradient(135deg, #003366, #007bff);
  backdrop-filter: blur(6px);
  display: flex;
  justify-content: center;
  align-items: center;
  z-index: 9999;
  overflow: hidden;
  transition: all 0.8s ease;
}

.loader-content {
  display: flex;
  flex-direction: column;
  align-items: center;
  animation: loaderPop 0.8s ease-in-out;
}

.loader-logo {
  width: 120px;
  height: auto;
  margin-bottom: 25px;
  filter: drop-shadow(0 0 8px rgba(255,255,255,0.7));
  animation: glowLogo 2s ease-in-out infinite alternate;
}
.loader-text {
  color: white;
  font-size: 20px;
  font-weight: 600;
  letter-spacing: 2px;
  text-transform: uppercase;
  animation: fadeText 2s ease-in-out infinite alternate;
}

.spinner {
  width: 70px;
  height: 70px;
  border: 6px solid rgba(255, 255, 255, 0.3);
  border-top-color: #fff;
  border-radius: 50%;
  animation: spin 1s linear infinite;
  box-shadow: 0 0 20px rgba(255,255,255,0.3);
}

/* Exit Animation */
#loader.fade-out {
  opacity: 0;
  transform: scale(1.1);
  backdrop-filter: blur(0);
}

/* Animations */
@keyframes spin {
  to { transform: rotate(360deg); }
}

@keyframes glowLogo {
  from { filter: drop-shadow(0 0 5px rgba(255,255,255,0.3)); }
  to { filter: drop-shadow(0 0 15px rgba(255,255,255,0.8)); }
}

@keyframes loaderPop {
  0% { transform: scale(0.8); opacity: 0; }
  100% { transform: scale(1); opacity: 1; }
}

/* Navbar */
header {
  position: sticky;
  top: 0;
  z-index: 1100;
  background: rgba(255,255,255,.9);
  backdrop-filter: blur(6px);
  border-bottom: 1px solid #e5e7eb;
}
.navbar .nav-link { color: var(--text)!important; font-weight: 500; }
.navbar .nav-link:hover { color: var(--accent)!important; }
.navbar-toggler { border-color: #000; }
.navbar-toggler-icon {
  background-image: url("data:image/svg+xml;charset=utf8,%3Csvg viewBox='0 0 30 30' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath stroke='rgba(0,0,0,1)' stroke-width='2' stroke-linecap='round' d='M4 7h22M4 15h22M4 23h22'/%3E%3C/svg%3E");
}

/* Hero */
.hero {
  min-height: 100vh;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 60px 20px;
  position: relative;
  overflow: hidden;
  color: #fff;
  text-align: center;
  background:
    linear-gradient(180deg, rgba(0,0,0,0.3), rgba(0,0,0,0.6)),
    url('../images/boatimage.jpg') center/cover no-repeat;
  background-attachment: fixed;
  margin-top:0 !important;
}

.hero::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  transform: scale(1);
  transition: transform 1.5s ease;
  z-index: -1;
}
.hero.scrolled::before { transform: scale(1.1); }

.hero-main {
  animation: fadeUp 1.2s ease forwards;
  opacity: 0;
  background: transparent;
  padding: 34px;
  color: #fff;
}

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(40px); }
  to { opacity: 1; transform: translateY(0); }
}

.h1 { font-size: clamp(26px,4vw,44px); margin: 0 0 12px; color: var(--text); }
.h-sub { color: var(--muted); margin: 0 0 16px; }

.hero .h1, .hero .h-sub {
  color: #fff;
  text-align: left;
}

/* Insurance Cards */
.insurance-section { padding: 56px 20px; }
.insurance-card {
  background: #fff;
  border-radius: 12px;
  border: 1px solid #e5e7eb;
  color: var(--text);
  display: flex;
  flex-direction: column;
  height: 100%;
  transition: .25s;
}
.insurance-card img { width: 100%; height: 190px; object-fit: cover; }
.insurance-card h3 {
  margin: 0;
  padding: 14px 16px;
  background: linear-gradient(90deg,#f0f9ff,#e0f2fe);
  font-size: 16px;
  color: var(--text);
}
.insurance-card p { padding: 16px; color: var(--muted); flex: 1; }
.insurance-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 12px 24px rgba(0,0,0,.08);
}
.btn-details {
  margin: 15px;
  padding: 8px 18px;
  border: 1px solid var(--brand);
  color: var(--brand);
  font-weight: 600;
  border-radius: 4px;
  transition: .3s;
  text-decoration: none;
}
.btn-details:hover { background: var(--brand); color: #fff; }

/* Stats */
.stats-wrapper { padding: 60px 0; }
.section-heading {
  font-size: 28px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 24px;
  position: relative;
}
.section-heading::after {
  content: "";
  display: block;
  width: 90px;
  height: 4px;
  background: var(--brand);
  border-radius: 4px;
  margin-top: 10px;
}
.stat-box {
  background: #f9fafc;
  border-radius: 15px;
  padding: 25px;
  text-align: center;
  box-shadow: 0 4px 8px rgba(0,0,0,.05);
  transition: .3s;
}
.stat-box:hover {
  transform: translateY(-6px);
  box-shadow: 0 8px 18px rgba(0,0,0,.1);
}
.stat-icon {
  width: 70px; height: 70px;
  margin: auto;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 30px;
  background: linear-gradient(135deg,#3b82f6,#2563eb);
  color: #fff;
}
.stat-box h3 {
  color: var(--text);
  font-size: 1.8rem;
  font-weight: 700;
  margin-top: 15px;
}
.stat-box p { color: var(--muted); margin-top: 5px; }

/* Forms */
.form-card {
  background: #fff;
  padding: 20px;
  border-radius: 12px;
  border: 1px solid #e5e7eb;
}
.form-card .form-control,
.form-card .form-select,
.form-card textarea {
  background: #f9fafc;
  border: 1px solid #d1d5db;
  color: var(--text);
}
.form-card label { color: var(--muted); font-weight: 600; }
.btn-primary-accent {
  background: linear-gradient(90deg,var(--brand),#3ea6ff);
  border: none;
  color: #fff;
  padding: 10px 16px;
  border-radius: 10px;
  font-weight: 700;
}

/* Dropdown Hover */
@media (min-width: 992px) {
  .navbar .dropdown-menu {
    display: block;
    opacity: 0;
    visibility: hidden;
    transition: 0.2s ease-in-out;
    margin-top: 0;
  }
  .navbar .dropdown:hover .dropdown-menu {
    opacity: 1;
    visibility: visible;
  }
}

/* Responsive Fixes */
@media (min-width: 768px) {
  .hero { background-attachment: fixed; }
}
@media (max-width: 767px) {
  .hero { background-attachment: scroll; }
  .hero .h1 { font-size: 1.8rem; }
  .hero .h-sub { font-size: 1rem; }
}
.collapsing { transition: height .15s ease !important; }