*{
  margin:0;
  padding:0;
  box-sizing:border-box;
  font-family:'Lato',sans-serif;
}

/* ================= MOBILE HEADER ================= */
header{
  position:fixed;
  top:0;
  width:100%;
  padding:16px 20px;
  display:flex;
  justify-content:space-between;
  align-items:center;
  background:transparent;
  z-index:1003;
}

header .logo img{
  height:35px;
}

/* ================= HAMBURGER ================= */
.hamburger{
  width:28px;
  height:22px;
  position:relative;
  cursor:pointer;
}

.hamburger span{
  position:absolute;
  width:100%;
  height:2px;
  background:#fff;   /* white on hero */
  left:0;
  transition:.3s;
}

.hamburger span:nth-child(1){top:0}
.hamburger span:nth-child(2){top:10px}
.hamburger span:nth-child(3){bottom:0}

.hamburger.active span{
  background:#000;   /* black when menu open */
}

.hamburger.active span:nth-child(1){
  transform:rotate(45deg);
  top:10px;
}
.hamburger.active span:nth-child(2){opacity:0}
.hamburger.active span:nth-child(3){
  transform:rotate(-45deg);
  bottom:10px;
}

/* ================= MOBILE MENU ================= */
.mobile-menu{
  position:fixed;
  inset:0;
  background:#fff;
  padding:80px 30px;
  transform:translateX(100%);
  transition:.4s ease;
  z-index:1002;
  overflow-y:auto;
}
.mobile-menu.show{
  transform:translateX(0);
}

/* ================= MOBILE MENU ITEMS ================= */
.nav-item{
  margin-bottom:24px;
}

.nav-head{
  display:flex;
  justify-content:space-between;
  align-items:center;
  cursor:pointer;
}

.nav-head span{
  font-size:18px;
  font-weight:700;
  color:#000;
}

.nav-head img{
  width:16px;
  transition:.3s;
}

.nav-item.active .nav-head span{
  color:#e30613;
}

.nav-item.active .nav-head img{
  transform:rotate(180deg);
}

/* ================= SUBMENU ================= */
.submenu{
  max-height:0;
  overflow:hidden;
  transition:.4s ease;
  padding-left:12px;
}

.nav-item.active .submenu{
  max-height:400px;
  margin-top:12px;
}

.submenu li{
  list-style:none;
  padding:10px 0;
  font-size:16px;
  font-weight:bold;
}

/* ================= DESKTOP VISIBILITY ================= */
.navbar{
  display:none;
}

@media(min-width:1000px){
  header,.mobile-menu{display:none}
  .navbar{display:flex}
}

/* ================= DESKTOP NAVBAR ================= */
.navbar{
  position:fixed;
  top:0;
  left:0;
  width:100%;
  height:70px;
  padding:40px 80px;
  align-items:center;
  justify-content:space-between;
  background:transparent;
  transition:.3s;
  z-index:1002;
}

.navbar.active{
  background:#1f2a2d;
}

.navbar .logo{
  position:relative;
  width:120px;
  margin-bottom: 40px;
}
.navbar .logo img{
  position:absolute;
  height:45px;
  transition:.3s;
}
.logo-white{opacity:0}
.logo-dark{opacity:1}
.navbar.active .logo-dark{opacity:0}
.navbar.active .logo-white{opacity:1}

.menu{
  display:flex;
  gap:40px;
}

.menu-item{
  cursor:pointer;
  display:flex;
  align-items:center;
  gap:6px;
  color:#000;
  font-size: 16px;
  font-weight: 700;
}

.navbar.active .menu-item{
  color:#fff;
}

.menu-item .arrow{
  width:12px;
  transition:.3s;
}
.navbar.active .menu-item .arrow{
  filter: brightness(0) invert(1);
}
.menu-item.active .arrow{
  transform:rotate(180deg);
}

/* ================= OVERLAY ================= */
.overlay{
  position:fixed;
  inset:0;
  background:rgba(0,0,0,.45);
  opacity:0;
  visibility:hidden;
  transition:.3s;
  z-index:998;
}

.overlay.show{
  opacity:1;
  visibility:visible;
}

/* ================= MEGA MENU ================= */
.mega-menu{
  position:fixed;
  top:80px;
  left:0;
  width:100%;
  background:#fff;
  padding:85px 80px;
  display:none;
  z-index:999;
}

.mega-grid{
  display:grid;
  grid-template-columns:1fr 1.2fr .6fr;
  gap:50px;
}

.mega-image img{
  width:317px;
  border-radius:4px;
  height:264px;
}

.mega-content h2{
  font-size:26px;
  margin-bottom:10px;
  margin-top: 50px;
}

.mega-content p{
  font-size:14px;
  color:#666;
  margin-bottom:20px;
  max-width: 500px;
}

.mega-content button{
  background:#f2b200;
  border:none;
  padding:12px 26px;
  font-weight:bold;
  cursor:pointer;
}

.mega-links{
  border-left:1px solid #ddd;
  padding-left:30px;
  margin-top: 50px;
}

.mega-links a{
  display:block;
  margin-bottom:12px;
  text-decoration:none;
  color:#002B45;
  font-size: 16px;
  font-weight: 700;
}
@media(min-width:1500px){
  .navbar{
    padding-left: 300px;
    padding-right: 300px;
  }
  .mega-menu{
    padding-left: 300px;
    padding-right: 300px;
  }
}
/* ================= HERO ================= */
.hero{
  min-height:100vh;
  background:url("img/hero-img.jpg") center/cover no-repeat;
  padding:20px;
  display:flex;
  align-items:center;
  justify-content:center;
}

.hero-inner{
  max-width:520px;
  width:100%;
  text-align:center;
}

.tagline{
  font-size:20px;
  font-weight: 400;
  font-family: Saira;
  color: #212529;
  line-height: 28px;
  text-transform:uppercase;
  margin-top: 30%;
  margin-bottom:10px;
}

.hero-inner h1{
  font-size:30px;
  font-weight:700;
  margin-bottom:67px;
}

/* ================= CARD ================= */
.card-wrapper{position:relative}

.card-tabs{
  position:absolute;
  top:-44px;
  left:0;
  display:flex;
}

.tab-btn{
  padding:12px 26px;
  font-size: 14px;
  border:none;
  background:#fff;
  font-weight:700;
  cursor:pointer;
  transform: translateY(5px);
}
.tab-btn.single{border-radius:10px 0 0 0}
.tab-btn.multi{border-radius:0 10px 0 0}
.tab-btn.active{background:#ffc233}

.card{
  background:#fff;
  padding:28px 24px;
  border-radius:0 16px 16px 16px;
  box-shadow:0 30px 60px rgba(0,0,0,.18);
  text-align:left;
}

/* ================= FORM ================= */
.field{margin-bottom:18px}

label{
  font-weight:700;
  display:block;
  margin-bottom:8px;
}

.select-box{
  border:1px solid #e6e6e6;
  border-radius:10px;
  padding:14px;
  display:flex;
  justify-content:space-between;
  cursor:pointer;
}

.dropdown{
  display:none;
  border:1px solid #e6e6e6;
  border-radius:10px;
  margin-top:6px;
}

.dropdown div{
  padding:12px;
  cursor:pointer;
}
.dropdown div:hover{background:#f5f5f5}

.chips{
  display:flex;
  gap:8px;
  flex-wrap:wrap;
  margin-top:10px;
}

.chip{
  background:#0a2d63;
  color:#fff;
  padding:6px 12px;
  border-radius:8px;
  font-size:13px;
  cursor:pointer;
}

input{
  width:100%;
  padding:14px;
  border-radius:10px;
  border:1px solid #e6e6e6;
}

.age-row{
  display:flex;
  gap:12px;
}

.age-row input{width:70px}

.plus-btn{
  width:46px;
  background:#ffc233;
  border:none;
  border-radius:8px;
  font-size:22px;
}

.quote-btn{
  width:100%;
  padding:16px;
  font-size: 16px;
  background:#ffc233;
  border:none;
  border-radius:10px;
  font-weight:800;
  margin-top:14px;
}
@media(min-width:1200px){ 
  .tagline{
    min-width: 791px;
    margin-left: -30%; 
    font-size: 24px;
  }
  .hero-inner h1{
  font-size:40px;
  margin-bottom:80px;
}
}