/*
Theme Name: Wb Insurance Pro Theme
Theme URI: https://wbinsurance.in
Author: Wb Insurance Pro
Author URI: https://wbinsurance.in
Description: A premium 3D insurance theme built for Wb Insurance Pro — featuring cashback rewards, referral programs, and UPI payments for the Indian market. Fully compatible with the Wb Insurance Pro plugin.
Version: 1.0.0
Requires at least: 6.0
Tested up to: 6.7
Requires PHP: 7.4
License: GNU General Public License v2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html
Text Domain: wb-insurance-theme
Tags: insurance, cashback, rewards, 3d, modern, responsive, dark-mode, woocommerce-support, custom-logo, custom-menu, featured-images, threaded-comments, accessibility-ready, rtl-language-support, translation-ready
*/

/* ═══════════════════════════════════════════════════════════
   WB INSURANCE PRO THEME — DESIGN TOKEN SYSTEM
   ═══════════════════════════════════════════════════════════ */
:root {
    /* ── Brand Palette ── */
    --wbi-navy:          #0a1628;
    --wbi-navy-mid:      #0f2448;
    --wbi-blue:          #1e3a8a;
    --wbi-blue-mid:      #1d4ed8;
    --wbi-cyan:          #0ea5e9;
    --wbi-cyan-light:    #38bdf8;
    --wbi-gold:          #f59e0b;
    --wbi-gold-light:    #fbbf24;
    --wbi-gold-dark:     #d97706;
    --wbi-green:         #059669;
    --wbi-green-light:   #10b981;
    --wbi-orange:        #ea580c;
    --wbi-red:           #dc2626;
    --wbi-purple:        #7c3aed;

    /* ── Neutrals ── */
    --wbi-white:         #ffffff;
    --wbi-off-white:     #f8faff;
    --wbi-gray-50:       #f9fafb;
    --wbi-gray-100:      #f3f4f6;
    --wbi-gray-200:      #e5e7eb;
    --wbi-gray-300:      #d1d5db;
    --wbi-gray-400:      #9ca3af;
    --wbi-gray-500:      #6b7280;
    --wbi-gray-600:      #4b5563;
    --wbi-gray-700:      #374151;
    --wbi-gray-800:      #1f2937;
    --wbi-gray-900:      #111827;

    /* ── 3D / Depth Shadows ── */
    --wbi-shadow-sm:     0 2px 8px rgba(10,22,40,.12);
    --wbi-shadow-md:     0 8px 32px rgba(10,22,40,.18);
    --wbi-shadow-lg:     0 20px 64px rgba(10,22,40,.28);
    --wbi-shadow-xl:     0 40px 100px rgba(10,22,40,.40);
    --wbi-shadow-gold:   0 8px 32px rgba(245,158,11,.35);
    --wbi-shadow-cyan:   0 8px 32px rgba(14,165,233,.35);
    --wbi-shadow-blue:   0 8px 32px rgba(30,58,138,.45);
    --wbi-shadow-inner:  inset 0 2px 8px rgba(0,0,0,.15);

    /* ── Gradients ── */
    --wbi-grad-hero:     linear-gradient(135deg, #0a1628 0%, #0f2448 40%, #1e3a8a 100%);
    --wbi-grad-card:     linear-gradient(145deg, #0f2448 0%, #1e3a8a 100%);
    --wbi-grad-gold:     linear-gradient(135deg, #f59e0b 0%, #fbbf24 50%, #d97706 100%);
    --wbi-grad-cyan:     linear-gradient(135deg, #0ea5e9 0%, #38bdf8 100%);
    --wbi-grad-green:    linear-gradient(135deg, #059669 0%, #10b981 100%);
    --wbi-grad-glass:    linear-gradient(135deg, rgba(255,255,255,.08) 0%, rgba(255,255,255,.03) 100%);
    --wbi-grad-shine:    linear-gradient(105deg, transparent 20%, rgba(255,255,255,.15) 50%, transparent 80%);

    /* ── Typography ── */
    --wbi-font-display:  'Inter', 'Segoe UI', system-ui, -apple-system, sans-serif;
    --wbi-font-body:     'Inter', 'Segoe UI', system-ui, -apple-system, sans-serif;
    --wbi-font-mono:     'JetBrains Mono', 'Fira Code', 'Courier New', monospace;

    --wbi-text-xs:       clamp(.75rem, 1.5vw, .875rem);
    --wbi-text-sm:       clamp(.875rem, 1.8vw, 1rem);
    --wbi-text-base:     clamp(1rem, 2vw, 1.125rem);
    --wbi-text-lg:       clamp(1.125rem, 2.2vw, 1.25rem);
    --wbi-text-xl:       clamp(1.25rem, 2.5vw, 1.5rem);
    --wbi-text-2xl:      clamp(1.5rem, 3vw, 2rem);
    --wbi-text-3xl:      clamp(1.875rem, 4vw, 2.5rem);
    --wbi-text-4xl:      clamp(2.25rem, 5vw, 3.5rem);
    --wbi-text-5xl:      clamp(3rem, 6vw, 4.5rem);
    --wbi-text-6xl:      clamp(3.75rem, 8vw, 6rem);

    /* ── Spacing ── */
    --wbi-space-1:   4px;
    --wbi-space-2:   8px;
    --wbi-space-3:   12px;
    --wbi-space-4:   16px;
    --wbi-space-5:   20px;
    --wbi-space-6:   24px;
    --wbi-space-8:   32px;
    --wbi-space-10:  40px;
    --wbi-space-12:  48px;
    --wbi-space-16:  64px;
    --wbi-space-20:  80px;
    --wbi-space-24:  96px;
    --wbi-space-32:  128px;

    /* ── Radii ── */
    --wbi-radius-sm:   6px;
    --wbi-radius-md:   12px;
    --wbi-radius-lg:   20px;
    --wbi-radius-xl:   28px;
    --wbi-radius-2xl:  40px;
    --wbi-radius-full: 9999px;

    /* ── Transitions ── */
    --wbi-ease:        cubic-bezier(.4,0,.2,1);
    --wbi-ease-spring: cubic-bezier(.34,1.56,.64,1);
    --wbi-ease-out:    cubic-bezier(0,0,.2,1);
    --wbi-dur-fast:    150ms;
    --wbi-dur-base:    250ms;
    --wbi-dur-slow:    400ms;
    --wbi-dur-slower:  700ms;

    /* ── Layout ── */
    --wbi-container:   1280px;
    --wbi-header-h:    72px;
    --wbi-sidebar-w:   320px;
    --wbi-z-header:    1000;
    --wbi-z-modal:     2000;
    --wbi-z-toast:     3000;
}

/* Dark Mode Overrides */
[data-theme="dark"],
.dark-mode {
    --wbi-off-white:     #0f2448;
    --wbi-gray-50:       #0a1628;
    --wbi-gray-100:      #0f2448;
    --wbi-gray-200:      #1e3a8a22;
    --wbi-gray-700:      #e5e7eb;
    --wbi-gray-800:      #f3f4f6;
    --wbi-gray-900:      #ffffff;
    --wbi-shadow-md:     0 8px 32px rgba(0,0,0,.5);
}

/* ═══════════════════════════════════════════════════════════
   RESET & BASE
   ═══════════════════════════════════════════════════════════ */
*,*::before,*::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
    font-size: 16px;
    scroll-behavior: smooth;
    -webkit-text-size-adjust: 100%;
    text-size-adjust: 100%;
}

body {
    font-family: var(--wbi-font-body);
    font-size: var(--wbi-text-base);
    line-height: 1.7;
    color: var(--wbi-gray-700);
    background: var(--wbi-off-white);
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

body.dark-mode { background: var(--wbi-navy); color: #e5e7eb; }

img, video, svg { max-width: 100%; height: auto; display: block; }
a { color: var(--wbi-blue-mid); text-decoration: none; transition: color var(--wbi-dur-fast) var(--wbi-ease); }
a:hover { color: var(--wbi-cyan); }
ul, ol { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, textarea, select { font-family: inherit; }

/* ═══════════════════════════════════════════════════════════
   ACCESSIBILITY
   ═══════════════════════════════════════════════════════════ */
.screen-reader-text {
    border: 0; clip: rect(1px,1px,1px,1px); clip-path: inset(50%);
    height: 1px; margin: -1px; overflow: hidden; padding: 0;
    position: absolute; width: 1px; word-wrap: normal !important;
}
.screen-reader-text:focus {
    background: var(--wbi-blue); color: #fff; clip: auto !important;
    clip-path: none; display: block; font-size: 1rem; font-weight: 700;
    height: auto; left: 5px; padding: 15px 23px 14px;
    top: 5px; width: auto; z-index: var(--wbi-z-toast);
}
:focus-visible {
    outline: 3px solid var(--wbi-gold);
    outline-offset: 3px;
    border-radius: var(--wbi-radius-sm);
}

/* ═══════════════════════════════════════════════════════════
   LAYOUT UTILITIES
   ═══════════════════════════════════════════════════════════ */
.wbi-container {
    max-width: var(--wbi-container);
    margin: 0 auto;
    padding: 0 var(--wbi-space-6);
}
.wbi-container-narrow { max-width: 800px; margin: 0 auto; padding: 0 var(--wbi-space-6); }
.wbi-grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--wbi-space-6); }
.wbi-grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--wbi-space-6); }
.wbi-grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--wbi-space-6); }
.wbi-flex    { display: flex; align-items: center; }
.wbi-flex-between { display: flex; align-items: center; justify-content: space-between; }
.wbi-section { padding: var(--wbi-space-20) 0; }
.wbi-section-sm { padding: var(--wbi-space-12) 0; }
.wbi-text-center { text-align: center; }

@media (max-width: 1024px) {
    .wbi-grid-4 { grid-template-columns: repeat(2, 1fr); }
    .wbi-grid-3 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
    .wbi-grid-4, .wbi-grid-3, .wbi-grid-2 { grid-template-columns: 1fr; }
    .wbi-container { padding: 0 var(--wbi-space-4); }
    .wbi-section { padding: var(--wbi-space-12) 0; }
}

/* ═══════════════════════════════════════════════════════════
   3D CARD SYSTEM
   ═══════════════════════════════════════════════════════════ */
.wbi-card-3d {
    position: relative;
    background: var(--wbi-grad-card);
    border: 1px solid rgba(255,255,255,.1);
    border-radius: var(--wbi-radius-xl);
    padding: var(--wbi-space-8);
    color: #fff;
    overflow: hidden;
    transition: transform var(--wbi-dur-slow) var(--wbi-ease-spring),
                box-shadow var(--wbi-dur-slow) var(--wbi-ease);
    transform-style: preserve-3d;
    box-shadow: var(--wbi-shadow-md),
                inset 0 1px 0 rgba(255,255,255,.15),
                inset 0 -1px 0 rgba(0,0,0,.3);
}
.wbi-card-3d::before {
    content: '';
    position: absolute;
    inset: 0;
    background: var(--wbi-grad-shine);
    border-radius: inherit;
    opacity: 0;
    transition: opacity var(--wbi-dur-base) var(--wbi-ease);
    pointer-events: none;
}
.wbi-card-3d::after {
    content: '';
    position: absolute;
    top: -1px; left: 0; right: 0;
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,.4), transparent);
    border-radius: inherit;
}
.wbi-card-3d:hover {
    transform: translateY(-8px) rotateX(2deg);
    box-shadow: var(--wbi-shadow-xl),
                inset 0 1px 0 rgba(255,255,255,.2),
                inset 0 -1px 0 rgba(0,0,0,.3);
}
.wbi-card-3d:hover::before { opacity: 1; }

/* Light card variant */
.wbi-card-light {
    background: #fff;
    border: 1px solid var(--wbi-gray-200);
    border-radius: var(--wbi-radius-xl);
    padding: var(--wbi-space-8);
    box-shadow: var(--wbi-shadow-sm);
    transition: transform var(--wbi-dur-slow) var(--wbi-ease-spring),
                box-shadow var(--wbi-dur-slow) var(--wbi-ease);
}
.wbi-card-light:hover {
    transform: translateY(-6px);
    box-shadow: var(--wbi-shadow-lg);
}
.dark-mode .wbi-card-light {
    background: var(--wbi-navy-mid);
    border-color: rgba(255,255,255,.08);
}

/* Glass card */
.wbi-card-glass {
    background: var(--wbi-grad-glass);
    backdrop-filter: blur(20px) saturate(180%);
    -webkit-backdrop-filter: blur(20px) saturate(180%);
    border: 1px solid rgba(255,255,255,.15);
    border-radius: var(--wbi-radius-xl);
    padding: var(--wbi-space-8);
    color: #fff;
}

/* ═══════════════════════════════════════════════════════════
   BUTTON SYSTEM
   ═══════════════════════════════════════════════════════════ */
.wbi-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: var(--wbi-space-2);
    padding: 14px 28px;
    font-size: var(--wbi-text-sm);
    font-weight: 700;
    letter-spacing: .02em;
    border-radius: var(--wbi-radius-full);
    transition: all var(--wbi-dur-base) var(--wbi-ease);
    cursor: pointer;
    border: none;
    position: relative;
    overflow: hidden;
    white-space: nowrap;
}
.wbi-btn::after {
    content: '';
    position: absolute;
    inset: 0;
    background: var(--wbi-grad-shine);
    opacity: 0;
    transition: opacity var(--wbi-dur-fast) var(--wbi-ease);
}
.wbi-btn:hover::after { opacity: 1; }

.wbi-btn-primary {
    background: var(--wbi-grad-gold);
    color: var(--wbi-navy);
    box-shadow: var(--wbi-shadow-gold), 0 1px 0 rgba(255,255,255,.3) inset;
}
.wbi-btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 12px 40px rgba(245,158,11,.5), 0 1px 0 rgba(255,255,255,.3) inset;
    color: var(--wbi-navy);
}

.wbi-btn-secondary {
    background: transparent;
    color: #fff;
    border: 2px solid rgba(255,255,255,.4);
    backdrop-filter: blur(8px);
}
.wbi-btn-secondary:hover {
    background: rgba(255,255,255,.1);
    border-color: rgba(255,255,255,.7);
    transform: translateY(-2px);
    color: #fff;
}

.wbi-btn-cyan {
    background: var(--wbi-grad-cyan);
    color: #fff;
    box-shadow: var(--wbi-shadow-cyan);
}
.wbi-btn-cyan:hover {
    transform: translateY(-2px);
    box-shadow: 0 12px 40px rgba(14,165,233,.5);
    color: #fff;
}

.wbi-btn-sm { padding: 10px 20px; font-size: var(--wbi-text-xs); }
.wbi-btn-lg { padding: 18px 36px; font-size: var(--wbi-text-lg); }

/* ═══════════════════════════════════════════════════════════
   BADGE / PILL SYSTEM
   ═══════════════════════════════════════════════════════════ */
.wbi-badge {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    padding: 4px 12px;
    border-radius: var(--wbi-radius-full);
    font-size: var(--wbi-text-xs);
    font-weight: 700;
    letter-spacing: .04em;
    text-transform: uppercase;
}
.wbi-badge-gold    { background: rgba(245,158,11,.2); color: var(--wbi-gold); border: 1px solid rgba(245,158,11,.3); }
.wbi-badge-cyan    { background: rgba(14,165,233,.2); color: var(--wbi-cyan); border: 1px solid rgba(14,165,233,.3); }
.wbi-badge-green   { background: rgba(5,150,105,.2);  color: var(--wbi-green-light); border: 1px solid rgba(5,150,105,.3); }
.wbi-badge-blue    { background: rgba(30,58,138,.2);  color: var(--wbi-cyan-light); border: 1px solid rgba(30,58,138,.3); }

/* ═══════════════════════════════════════════════════════════
   TYPOGRAPHY COMPONENTS
   ═══════════════════════════════════════════════════════════ */
.wbi-heading-xl {
    font-size: var(--wbi-text-5xl);
    font-weight: 900;
    line-height: 1.1;
    letter-spacing: -.03em;
    color: var(--wbi-gray-900);
}
.wbi-heading-lg {
    font-size: var(--wbi-text-4xl);
    font-weight: 800;
    line-height: 1.15;
    letter-spacing: -.02em;
    color: var(--wbi-gray-900);
}
.wbi-heading-md {
    font-size: var(--wbi-text-3xl);
    font-weight: 800;
    line-height: 1.2;
    letter-spacing: -.02em;
    color: var(--wbi-gray-900);
}
.wbi-heading-sm {
    font-size: var(--wbi-text-2xl);
    font-weight: 700;
    line-height: 1.3;
    color: var(--wbi-gray-900);
}
.wbi-text-gradient {
    background: var(--wbi-grad-gold);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}
.wbi-text-gradient-cyan {
    background: var(--wbi-grad-cyan);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}
.wbi-section-label {
    font-size: var(--wbi-text-xs);
    font-weight: 800;
    letter-spacing: .15em;
    text-transform: uppercase;
    color: var(--wbi-gold);
    display: flex;
    align-items: center;
    gap: var(--wbi-space-2);
    margin-bottom: var(--wbi-space-4);
}

/* ═══════════════════════════════════════════════════════════
   HEADER
   ═══════════════════════════════════════════════════════════ */
#masthead {
    position: fixed;
    top: 0; left: 0; right: 0;
    z-index: var(--wbi-z-header);
    height: var(--wbi-header-h);
    background: rgba(10,22,40,.85);
    backdrop-filter: blur(20px) saturate(180%);
    -webkit-backdrop-filter: blur(20px) saturate(180%);
    border-bottom: 1px solid rgba(255,255,255,.08);
    transition: all var(--wbi-dur-base) var(--wbi-ease);
}
#masthead.scrolled {
    background: rgba(10,22,40,.97);
    box-shadow: 0 4px 32px rgba(0,0,0,.4);
}
.site-header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: var(--wbi-header-h);
    gap: var(--wbi-space-6);
}
.site-branding { display: flex; align-items: center; gap: var(--wbi-space-3); }
.site-branding .custom-logo { height: 44px; width: auto; }
.site-title {
    font-size: 1.25rem;
    font-weight: 900;
    letter-spacing: -.02em;
    color: #fff;
    line-height: 1;
}
.site-title span { color: var(--wbi-gold); }
.site-description { font-size: .7rem; color: rgba(255,255,255,.5); margin-top: 2px; }

/* Primary Navigation */
.primary-navigation { flex: 1; }
.primary-navigation ul {
    display: flex;
    align-items: center;
    gap: var(--wbi-space-1);
    justify-content: center;
}
.primary-navigation ul li a {
    padding: 8px 16px;
    font-size: .9rem;
    font-weight: 600;
    color: rgba(255,255,255,.8);
    border-radius: var(--wbi-radius-md);
    transition: all var(--wbi-dur-fast) var(--wbi-ease);
    display: block;
}
.primary-navigation ul li a:hover,
.primary-navigation ul li.current-menu-item a {
    color: #fff;
    background: rgba(255,255,255,.1);
}
.primary-navigation ul li.current-menu-item a {
    color: var(--wbi-gold);
}

/* Dropdown */
.primary-navigation ul li { position: relative; }
.primary-navigation ul li ul {
    position: absolute;
    top: calc(100% + 8px);
    left: 50%;
    transform: translateX(-50%) translateY(-8px);
    min-width: 220px;
    background: rgba(10,22,40,.98);
    backdrop-filter: blur(20px);
    border: 1px solid rgba(255,255,255,.1);
    border-radius: var(--wbi-radius-lg);
    padding: var(--wbi-space-3);
    flex-direction: column;
    gap: 2px;
    opacity: 0;
    visibility: hidden;
    transition: all var(--wbi-dur-base) var(--wbi-ease);
    box-shadow: var(--wbi-shadow-lg);
}
.primary-navigation ul li:hover > ul {
    opacity: 1;
    visibility: visible;
    transform: translateX(-50%) translateY(0);
}
.primary-navigation ul li ul li a {
    border-radius: var(--wbi-radius-md);
    color: rgba(255,255,255,.7);
    font-size: .875rem;
}

/* Header Actions */
.header-actions { display: flex; align-items: center; gap: var(--wbi-space-3); }
.header-search-btn {
    width: 38px; height: 38px;
    display: flex; align-items: center; justify-content: center;
    border-radius: var(--wbi-radius-md);
    background: rgba(255,255,255,.08);
    color: rgba(255,255,255,.8);
    transition: all var(--wbi-dur-fast) var(--wbi-ease);
    border: 1px solid rgba(255,255,255,.1);
}
.header-search-btn:hover { background: rgba(255,255,255,.15); color: #fff; }
.header-dark-toggle {
    width: 38px; height: 38px;
    display: flex; align-items: center; justify-content: center;
    border-radius: var(--wbi-radius-md);
    background: rgba(255,255,255,.08);
    color: rgba(255,255,255,.8);
    border: 1px solid rgba(255,255,255,.1);
    transition: all var(--wbi-dur-fast) var(--wbi-ease);
}
.header-dark-toggle:hover { background: rgba(255,255,255,.15); color: #fff; }

/* Mobile Menu Toggle */
.menu-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    width: 38px; height: 38px;
    padding: 8px;
    background: rgba(255,255,255,.08);
    border-radius: var(--wbi-radius-md);
    border: 1px solid rgba(255,255,255,.1);
}
.menu-toggle span {
    display: block; height: 2px;
    background: #fff; border-radius: 2px;
    transition: all var(--wbi-dur-base) var(--wbi-ease);
}
.menu-toggle.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.menu-toggle.active span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.menu-toggle.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile Menu */
.mobile-menu {
    display: none;
    position: fixed;
    top: var(--wbi-header-h);
    left: 0; right: 0;
    background: rgba(10,22,40,.98);
    backdrop-filter: blur(20px);
    border-bottom: 1px solid rgba(255,255,255,.08);
    padding: var(--wbi-space-6);
    z-index: calc(var(--wbi-z-header) - 1);
    max-height: calc(100vh - var(--wbi-header-h));
    overflow-y: auto;
}
.mobile-menu.active { display: block; }
.mobile-menu ul { display: flex; flex-direction: column; gap: 4px; }
.mobile-menu ul li a {
    display: flex;
    align-items: center;
    padding: 12px 16px;
    color: rgba(255,255,255,.8);
    font-weight: 600;
    border-radius: var(--wbi-radius-md);
    transition: all var(--wbi-dur-fast) var(--wbi-ease);
}
.mobile-menu ul li a:hover { background: rgba(255,255,255,.1); color: #fff; }
.mobile-menu ul li ul { padding-left: var(--wbi-space-4); margin-top: 4px; }

@media (max-width: 1024px) {
    .primary-navigation { display: none; }
    .menu-toggle { display: flex; }
}

/* ═══════════════════════════════════════════════════════════
   MAIN CONTENT LAYOUT
   ═══════════════════════════════════════════════════════════ */
#page { padding-top: var(--wbi-header-h); }
#content { min-height: 60vh; }
.site-main { padding: var(--wbi-space-12) 0; }

.content-area { flex: 1; min-width: 0; }
.widget-area { width: var(--wbi-sidebar-w); flex-shrink: 0; }

.has-sidebar .site-main .wbi-container {
    display: flex;
    gap: var(--wbi-space-10);
    align-items: flex-start;
}
@media (max-width: 1024px) {
    .has-sidebar .site-main .wbi-container { flex-direction: column; }
    .widget-area { width: 100%; }
}

/* ═══════════════════════════════════════════════════════════
   HERO SECTION
   ═══════════════════════════════════════════════════════════ */
.wbi-hero {
    min-height: 100vh;
    background: var(--wbi-grad-hero);
    position: relative;
    overflow: hidden;
    display: flex;
    align-items: center;
    padding: var(--wbi-space-32) 0 var(--wbi-space-20);
}
.wbi-hero-particles {
    position: absolute;
    inset: 0;
    pointer-events: none;
}
.wbi-hero-particle {
    position: absolute;
    border-radius: var(--wbi-radius-full);
    animation: wbiFloat linear infinite;
}
.wbi-hero-glow-1 {
    position: absolute;
    top: -200px; right: -100px;
    width: 700px; height: 700px;
    background: radial-gradient(circle, rgba(14,165,233,.2) 0%, transparent 70%);
    border-radius: 50%;
    pointer-events: none;
    animation: wbiPulse 4s ease-in-out infinite;
}
.wbi-hero-glow-2 {
    position: absolute;
    bottom: -100px; left: -100px;
    width: 500px; height: 500px;
    background: radial-gradient(circle, rgba(245,158,11,.15) 0%, transparent 70%);
    border-radius: 50%;
    pointer-events: none;
    animation: wbiPulse 6s ease-in-out infinite reverse;
}
.wbi-hero-grid {
    position: absolute;
    inset: 0;
    background-image:
        linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.03) 1px, transparent 1px);
    background-size: 60px 60px;
    pointer-events: none;
}
.wbi-hero-content { position: relative; z-index: 2; }
.wbi-hero-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: var(--wbi-space-2);
    padding: 8px 18px;
    background: rgba(245,158,11,.15);
    border: 1px solid rgba(245,158,11,.3);
    border-radius: var(--wbi-radius-full);
    color: var(--wbi-gold);
    font-size: var(--wbi-text-xs);
    font-weight: 800;
    letter-spacing: .1em;
    text-transform: uppercase;
    margin-bottom: var(--wbi-space-6);
}
.wbi-hero h1 {
    font-size: var(--wbi-text-6xl);
    font-weight: 900;
    line-height: 1.05;
    letter-spacing: -.04em;
    color: #fff;
    margin-bottom: var(--wbi-space-6);
}
.wbi-hero h1 .line-gold { display: block; color: var(--wbi-gold); }
.wbi-hero-desc {
    font-size: var(--wbi-text-lg);
    color: rgba(255,255,255,.7);
    max-width: 560px;
    margin-bottom: var(--wbi-space-10);
    line-height: 1.8;
}
.wbi-hero-actions { display: flex; gap: var(--wbi-space-4); flex-wrap: wrap; }
.wbi-hero-stats {
    display: flex;
    gap: var(--wbi-space-8);
    margin-top: var(--wbi-space-12);
    padding-top: var(--wbi-space-8);
    border-top: 1px solid rgba(255,255,255,.1);
}
.wbi-hero-stat-number {
    font-size: var(--wbi-text-3xl);
    font-weight: 900;
    color: var(--wbi-gold);
    line-height: 1;
    letter-spacing: -.02em;
}
.wbi-hero-stat-label {
    font-size: var(--wbi-text-xs);
    color: rgba(255,255,255,.5);
    margin-top: 4px;
    font-weight: 500;
}

/* Hero Visual Cards */
.wbi-hero-visual {
    position: relative;
    height: 580px;
}
.wbi-hero-card-main {
    position: absolute;
    top: 0; right: 0;
    width: 340px;
    background: linear-gradient(135deg, rgba(255,255,255,.12) 0%, rgba(255,255,255,.04) 100%);
    backdrop-filter: blur(20px);
    border: 1px solid rgba(255,255,255,.2);
    border-radius: var(--wbi-radius-2xl);
    padding: var(--wbi-space-8);
    color: #fff;
    box-shadow: var(--wbi-shadow-xl), inset 0 1px 0 rgba(255,255,255,.2);
    animation: wbiFloatCard 6s ease-in-out infinite;
}
.wbi-hero-card-sub {
    position: absolute;
    bottom: 60px; left: 0;
    width: 280px;
    background: linear-gradient(135deg, rgba(245,158,11,.2) 0%, rgba(245,158,11,.08) 100%);
    backdrop-filter: blur(20px);
    border: 1px solid rgba(245,158,11,.3);
    border-radius: var(--wbi-radius-xl);
    padding: var(--wbi-space-6);
    color: #fff;
    animation: wbiFloatCard 8s ease-in-out infinite 2s;
    box-shadow: var(--wbi-shadow-gold);
}
.wbi-hero-card-mini {
    position: absolute;
    top: 200px; left: 60px;
    background: linear-gradient(135deg, rgba(14,165,233,.2) 0%, rgba(14,165,233,.08) 100%);
    backdrop-filter: blur(20px);
    border: 1px solid rgba(14,165,233,.3);
    border-radius: var(--wbi-radius-lg);
    padding: var(--wbi-space-5);
    color: #fff;
    animation: wbiFloatCard 7s ease-in-out infinite 1s;
    box-shadow: var(--wbi-shadow-cyan);
}
.wbi-hero-grid-layout {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--wbi-space-8);
    align-items: center;
}
@media (max-width: 1024px) {
    .wbi-hero-grid-layout { grid-template-columns: 1fr; }
    .wbi-hero-visual { display: none; }
    .wbi-hero h1 { font-size: var(--wbi-text-4xl); }
}
@media (max-width: 640px) {
    .wbi-hero h1 { font-size: var(--wbi-text-3xl); }
    .wbi-hero-stats { flex-wrap: wrap; gap: var(--wbi-space-6); }
    .wbi-hero-actions { flex-direction: column; }
    .wbi-hero-actions .wbi-btn { justify-content: center; }
}

/* ═══════════════════════════════════════════════════════════
   INSURANCE TYPES GRID
   ═══════════════════════════════════════════════════════════ */
.wbi-insurance-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--wbi-space-6);
}
.wbi-insurance-card {
    position: relative;
    background: var(--wbi-grad-card);
    border: 1px solid rgba(255,255,255,.08);
    border-radius: var(--wbi-radius-xl);
    padding: var(--wbi-space-8);
    color: #fff;
    overflow: hidden;
    transition: all var(--wbi-dur-slow) var(--wbi-ease-spring);
    cursor: pointer;
    text-decoration: none;
    display: block;
}
.wbi-insurance-card::before {
    content: '';
    position: absolute;
    inset: 0;
    background: var(--wbi-grad-shine);
    opacity: 0;
    transition: opacity var(--wbi-dur-base) var(--wbi-ease);
}
.wbi-insurance-card:hover { transform: translateY(-8px) scale(1.01); color: #fff; }
.wbi-insurance-card:hover::before { opacity: 1; }
.wbi-insurance-card:hover .wbi-ins-icon { transform: scale(1.2) rotate(-5deg); }

.wbi-ins-glow {
    position: absolute;
    top: -60px; right: -60px;
    width: 180px; height: 180px;
    border-radius: 50%;
    pointer-events: none;
    opacity: .3;
}
.wbi-ins-icon {
    font-size: 3rem;
    display: block;
    margin-bottom: var(--wbi-space-5);
    transition: transform var(--wbi-dur-slow) var(--wbi-ease-spring);
    line-height: 1;
}
.wbi-ins-name {
    font-size: var(--wbi-text-lg);
    font-weight: 800;
    margin-bottom: var(--wbi-space-2);
    color: #fff;
}
.wbi-ins-cashback {
    font-size: var(--wbi-text-sm);
    color: var(--wbi-gold);
    font-weight: 700;
    margin-bottom: var(--wbi-space-3);
}
.wbi-ins-desc {
    font-size: var(--wbi-text-xs);
    color: rgba(255,255,255,.6);
    line-height: 1.6;
}
.wbi-ins-arrow {
    position: absolute;
    bottom: var(--wbi-space-6);
    right: var(--wbi-space-6);
    width: 36px; height: 36px;
    background: rgba(255,255,255,.1);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 1rem;
    transition: all var(--wbi-dur-base) var(--wbi-ease);
}
.wbi-insurance-card:hover .wbi-ins-arrow {
    background: var(--wbi-gold);
    color: var(--wbi-navy);
    transform: translateX(4px);
}
@media (max-width: 1024px) { .wbi-insurance-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px)  { .wbi-insurance-grid { grid-template-columns: 1fr; } }

/* ═══════════════════════════════════════════════════════════
   STEPS / PROCESS SECTION
   ═══════════════════════════════════════════════════════════ */
.wbi-steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--wbi-space-6);
    position: relative;
}
.wbi-steps-grid::before {
    content: '';
    position: absolute;
    top: 48px;
    left: calc(12.5% + 24px);
    right: calc(12.5% + 24px);
    height: 2px;
    background: linear-gradient(90deg, var(--wbi-cyan), var(--wbi-gold));
    z-index: 0;
}
.wbi-step-card {
    position: relative;
    z-index: 1;
    text-align: center;
    padding: var(--wbi-space-8) var(--wbi-space-6);
}
.wbi-step-number {
    width: 56px; height: 56px;
    background: var(--wbi-grad-card);
    border: 2px solid var(--wbi-cyan);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.25rem;
    font-weight: 900;
    color: var(--wbi-cyan);
    margin: 0 auto var(--wbi-space-5);
    position: relative;
    box-shadow: 0 0 0 4px rgba(14,165,233,.15);
}
.wbi-step-icon {
    font-size: 2rem;
    display: block;
    margin-bottom: var(--wbi-space-4);
}
.wbi-step-title {
    font-size: var(--wbi-text-base);
    font-weight: 800;
    color: #fff;
    margin-bottom: var(--wbi-space-3);
}
.wbi-step-desc {
    font-size: var(--wbi-text-xs);
    color: rgba(255,255,255,.6);
    line-height: 1.7;
}
@media (max-width: 768px) {
    .wbi-steps-grid { grid-template-columns: repeat(2, 1fr); }
    .wbi-steps-grid::before { display: none; }
}
@media (max-width: 480px) {
    .wbi-steps-grid { grid-template-columns: 1fr; }
}

/* ═══════════════════════════════════════════════════════════
   FEATURES / BENEFITS SECTION
   ═══════════════════════════════════════════════════════════ */
.wbi-features-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--wbi-space-6);
}
.wbi-feature-card {
    background: #fff;
    border: 1px solid var(--wbi-gray-200);
    border-radius: var(--wbi-radius-xl);
    padding: var(--wbi-space-8);
    transition: all var(--wbi-dur-slow) var(--wbi-ease-spring);
}
.wbi-feature-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--wbi-shadow-lg);
    border-color: var(--wbi-cyan);
}
.wbi-feature-icon-wrap {
    width: 64px; height: 64px;
    background: linear-gradient(135deg, var(--wbi-navy) 0%, var(--wbi-blue) 100%);
    border-radius: var(--wbi-radius-lg);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.75rem;
    margin-bottom: var(--wbi-space-5);
    box-shadow: var(--wbi-shadow-blue);
    transition: transform var(--wbi-dur-slow) var(--wbi-ease-spring);
}
.wbi-feature-card:hover .wbi-feature-icon-wrap { transform: scale(1.1) rotate(-5deg); }
.wbi-feature-title {
    font-size: var(--wbi-text-lg);
    font-weight: 800;
    color: var(--wbi-gray-900);
    margin-bottom: var(--wbi-space-3);
}
.wbi-feature-desc { color: var(--wbi-gray-500); line-height: 1.7; }
.dark-mode .wbi-feature-card {
    background: var(--wbi-navy-mid);
    border-color: rgba(255,255,255,.08);
}
.dark-mode .wbi-feature-title { color: #fff; }
@media (max-width: 1024px) { .wbi-features-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px)  { .wbi-features-grid { grid-template-columns: 1fr; } }

/* ═══════════════════════════════════════════════════════════
   CASHBACK SHOWCASE
   ═══════════════════════════════════════════════════════════ */
.wbi-cashback-section {
    background: var(--wbi-grad-hero);
    padding: var(--wbi-space-24) 0;
    position: relative;
    overflow: hidden;
}
.wbi-cashback-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background: var(--wbi-hero-grid);
    background-image:
        linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.03) 1px, transparent 1px);
    background-size: 60px 60px;
}
.wbi-cashback-amount {
    font-size: clamp(4rem, 10vw, 8rem);
    font-weight: 900;
    line-height: 1;
    letter-spacing: -.05em;
    background: var(--wbi-grad-gold);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}
.wbi-cashback-range {
    display: flex;
    align-items: center;
    gap: var(--wbi-space-4);
    margin: var(--wbi-space-4) 0;
}
.wbi-cashback-pill {
    background: rgba(245,158,11,.15);
    border: 1px solid rgba(245,158,11,.4);
    border-radius: var(--wbi-radius-full);
    padding: 6px 18px;
    font-size: var(--wbi-text-sm);
    font-weight: 800;
    color: var(--wbi-gold);
}

/* ═══════════════════════════════════════════════════════════
   TESTIMONIALS
   ═══════════════════════════════════════════════════════════ */
.wbi-testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--wbi-space-6);
}
.wbi-testimonial-card {
    background: #fff;
    border: 1px solid var(--wbi-gray-200);
    border-radius: var(--wbi-radius-xl);
    padding: var(--wbi-space-8);
    transition: all var(--wbi-dur-slow) var(--wbi-ease-spring);
    position: relative;
}
.wbi-testimonial-card::before {
    content: '"';
    position: absolute;
    top: var(--wbi-space-5);
    right: var(--wbi-space-8);
    font-size: 5rem;
    font-weight: 900;
    color: var(--wbi-gray-100);
    line-height: 1;
    font-family: Georgia, serif;
}
.wbi-testimonial-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--wbi-shadow-lg);
    border-color: var(--wbi-gold);
}
.wbi-testimonial-stars { color: var(--wbi-gold); font-size: 1.1rem; margin-bottom: var(--wbi-space-4); letter-spacing: 3px; }
.wbi-testimonial-text { color: var(--wbi-gray-600); line-height: 1.8; margin-bottom: var(--wbi-space-6); }
.wbi-testimonial-author { display: flex; align-items: center; gap: var(--wbi-space-3); }
.wbi-testimonial-avatar {
    width: 48px; height: 48px;
    background: var(--wbi-grad-card);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    color: #fff;
    font-weight: 700;
    font-size: 1.1rem;
    flex-shrink: 0;
}
.wbi-testimonial-name { font-weight: 700; color: var(--wbi-gray-900); font-size: var(--wbi-text-sm); }
.wbi-testimonial-location { font-size: var(--wbi-text-xs); color: var(--wbi-gray-500); margin-top: 2px; }
.dark-mode .wbi-testimonial-card {
    background: var(--wbi-navy-mid);
    border-color: rgba(255,255,255,.08);
}
.dark-mode .wbi-testimonial-text { color: rgba(255,255,255,.7); }
.dark-mode .wbi-testimonial-name { color: #fff; }
@media (max-width: 1024px) { .wbi-testimonials-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px)  { .wbi-testimonials-grid { grid-template-columns: 1fr; } }

/* ═══════════════════════════════════════════════════════════
   CTA SECTION
   ═══════════════════════════════════════════════════════════ */
.wbi-cta-section {
    background: var(--wbi-grad-gold);
    padding: var(--wbi-space-20) 0;
    position: relative;
    overflow: hidden;
    text-align: center;
}
.wbi-cta-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23000' fill-opacity='0.05'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.wbi-cta-title {
    font-size: var(--wbi-text-4xl);
    font-weight: 900;
    color: var(--wbi-navy);
    margin-bottom: var(--wbi-space-5);
    letter-spacing: -.03em;
    position: relative;
}
.wbi-cta-desc { font-size: var(--wbi-text-lg); color: rgba(10,22,40,.7); max-width: 560px; margin: 0 auto var(--wbi-space-8); position: relative; }
.wbi-cta-section .wbi-btn-primary {
    background: var(--wbi-navy);
    color: #fff;
    box-shadow: 0 8px 32px rgba(10,22,40,.4);
}
.wbi-cta-section .wbi-btn-primary:hover { background: var(--wbi-blue); color: #fff; }

/* ═══════════════════════════════════════════════════════════
   FAQ SECTION
   ═══════════════════════════════════════════════════════════ */
.wbi-faq-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--wbi-space-4);
}
.wbi-faq-item {
    background: #fff;
    border: 1px solid var(--wbi-gray-200);
    border-radius: var(--wbi-radius-lg);
    overflow: hidden;
    transition: box-shadow var(--wbi-dur-base) var(--wbi-ease);
}
.wbi-faq-item:hover { box-shadow: var(--wbi-shadow-md); }
.wbi-faq-question {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--wbi-space-5) var(--wbi-space-6);
    cursor: pointer;
    font-weight: 700;
    color: var(--wbi-gray-900);
    gap: var(--wbi-space-4);
    user-select: none;
}
.wbi-faq-icon {
    width: 28px; height: 28px;
    background: var(--wbi-gray-100);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
    font-size: .9rem;
    transition: all var(--wbi-dur-base) var(--wbi-ease);
    color: var(--wbi-blue);
}
.wbi-faq-item.active .wbi-faq-icon {
    background: var(--wbi-blue);
    color: #fff;
    transform: rotate(45deg);
}
.wbi-faq-answer {
    padding: 0 var(--wbi-space-6);
    max-height: 0;
    overflow: hidden;
    transition: all var(--wbi-dur-slow) var(--wbi-ease);
    color: var(--wbi-gray-600);
    line-height: 1.8;
}
.wbi-faq-item.active .wbi-faq-answer {
    max-height: 300px;
    padding-bottom: var(--wbi-space-5);
}
.dark-mode .wbi-faq-item {
    background: var(--wbi-navy-mid);
    border-color: rgba(255,255,255,.08);
}
.dark-mode .wbi-faq-question { color: #fff; }
.dark-mode .wbi-faq-answer { color: rgba(255,255,255,.7); }
@media (max-width: 768px) { .wbi-faq-grid { grid-template-columns: 1fr; } }

/* ═══════════════════════════════════════════════════════════
   TRUST INDICATORS
   ═══════════════════════════════════════════════════════════ */
.wbi-trust-bar {
    background: #fff;
    border-top: 1px solid var(--wbi-gray-200);
    border-bottom: 1px solid var(--wbi-gray-200);
    padding: var(--wbi-space-8) 0;
}
.wbi-trust-items {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: var(--wbi-space-8);
    flex-wrap: wrap;
}
.wbi-trust-item {
    display: flex;
    align-items: center;
    gap: var(--wbi-space-3);
    color: var(--wbi-gray-600);
    font-size: var(--wbi-text-sm);
    font-weight: 600;
}
.wbi-trust-icon {
    font-size: 1.5rem;
    width: 44px; height: 44px;
    background: var(--wbi-gray-50);
    border-radius: var(--wbi-radius-md);
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
}
.dark-mode .wbi-trust-bar { background: var(--wbi-navy-mid); border-color: rgba(255,255,255,.08); }
@media (max-width: 768px) {
    .wbi-trust-items { justify-content: center; }
    .wbi-trust-item { flex: 1 1 45%; }
}

/* ═══════════════════════════════════════════════════════════
   STATS COUNTER SECTION
   ═══════════════════════════════════════════════════════════ */
.wbi-stats-section {
    background: var(--wbi-grad-hero);
    padding: var(--wbi-space-20) 0;
    position: relative;
}
.wbi-stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--wbi-space-6);
}
.wbi-stat-card {
    text-align: center;
    padding: var(--wbi-space-8);
    background: rgba(255,255,255,.06);
    border: 1px solid rgba(255,255,255,.1);
    border-radius: var(--wbi-radius-xl);
    transition: all var(--wbi-dur-slow) var(--wbi-ease-spring);
}
.wbi-stat-card:hover {
    background: rgba(255,255,255,.1);
    transform: translateY(-6px);
}
.wbi-stat-icon { font-size: 2.5rem; margin-bottom: var(--wbi-space-4); display: block; }
.wbi-stat-number {
    font-size: clamp(2rem, 5vw, 3.5rem);
    font-weight: 900;
    color: var(--wbi-gold);
    letter-spacing: -.03em;
    line-height: 1;
    margin-bottom: var(--wbi-space-2);
}
.wbi-stat-label { color: rgba(255,255,255,.6); font-size: var(--wbi-text-sm); font-weight: 500; }
@media (max-width: 768px) { .wbi-stats-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .wbi-stats-grid { grid-template-columns: 1fr; } }

/* ═══════════════════════════════════════════════════════════
   BLOG / NEWS
   ═══════════════════════════════════════════════════════════ */
.wbi-blog-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--wbi-space-6);
}
.wbi-blog-card {
    background: #fff;
    border: 1px solid var(--wbi-gray-200);
    border-radius: var(--wbi-radius-xl);
    overflow: hidden;
    transition: all var(--wbi-dur-slow) var(--wbi-ease-spring);
}
.wbi-blog-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--wbi-shadow-lg);
    border-color: var(--wbi-cyan);
}
.wbi-blog-card-img {
    height: 200px;
    object-fit: cover;
    width: 100%;
    background: linear-gradient(135deg, var(--wbi-navy) 0%, var(--wbi-blue) 100%);
    display: flex; align-items: center; justify-content: center;
    font-size: 3rem;
    overflow: hidden;
}
.wbi-blog-card-img img { width: 100%; height: 100%; object-fit: cover; }
.wbi-blog-card-body { padding: var(--wbi-space-6); }
.wbi-blog-card-cat {
    font-size: var(--wbi-text-xs);
    font-weight: 800;
    letter-spacing: .08em;
    text-transform: uppercase;
    color: var(--wbi-blue-mid);
    margin-bottom: var(--wbi-space-3);
    display: block;
}
.wbi-blog-card-title {
    font-size: var(--wbi-text-lg);
    font-weight: 800;
    color: var(--wbi-gray-900);
    line-height: 1.35;
    margin-bottom: var(--wbi-space-3);
    display: -webkit-box;
    -webkit-line-clamp: 2;
    -webkit-box-orient: vertical;
    overflow: hidden;
}
.wbi-blog-card-title a { color: inherit; }
.wbi-blog-card-title a:hover { color: var(--wbi-blue-mid); }
.wbi-blog-card-excerpt { color: var(--wbi-gray-500); font-size: var(--wbi-text-sm); margin-bottom: var(--wbi-space-5); line-height: 1.7; }
.wbi-blog-card-meta { display: flex; align-items: center; justify-content: space-between; font-size: var(--wbi-text-xs); color: var(--wbi-gray-400); }
.wbi-reading-time { display: flex; align-items: center; gap: 5px; }
.dark-mode .wbi-blog-card { background: var(--wbi-navy-mid); border-color: rgba(255,255,255,.08); }
.dark-mode .wbi-blog-card-title { color: #fff; }
@media (max-width: 1024px) { .wbi-blog-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px)  { .wbi-blog-grid { grid-template-columns: 1fr; } }

/* ═══════════════════════════════════════════════════════════
   SINGLE POST
   ═══════════════════════════════════════════════════════════ */
.entry-header { margin-bottom: var(--wbi-space-8); }
.entry-title {
    font-size: var(--wbi-text-4xl);
    font-weight: 900;
    line-height: 1.2;
    letter-spacing: -.02em;
    color: var(--wbi-gray-900);
    margin-bottom: var(--wbi-space-6);
}
.entry-meta {
    display: flex;
    align-items: center;
    gap: var(--wbi-space-5);
    color: var(--wbi-gray-500);
    font-size: var(--wbi-text-sm);
    flex-wrap: wrap;
    padding-bottom: var(--wbi-space-6);
    border-bottom: 1px solid var(--wbi-gray-200);
}
.entry-meta a { color: var(--wbi-blue-mid); font-weight: 600; }
.entry-thumbnail {
    margin-bottom: var(--wbi-space-8);
    border-radius: var(--wbi-radius-xl);
    overflow: hidden;
}
.entry-thumbnail img { width: 100%; }
.entry-content { font-size: var(--wbi-text-base); line-height: 1.9; color: var(--wbi-gray-700); }
.entry-content h2, .entry-content h3, .entry-content h4 { color: var(--wbi-gray-900); font-weight: 800; margin: var(--wbi-space-8) 0 var(--wbi-space-4); }
.entry-content h2 { font-size: var(--wbi-text-2xl); }
.entry-content h3 { font-size: var(--wbi-text-xl); }
.entry-content p { margin-bottom: var(--wbi-space-5); }
.entry-content ul, .entry-content ol { list-style: initial; padding-left: 1.5em; margin-bottom: var(--wbi-space-5); }
.entry-content ul li, .entry-content ol li { margin-bottom: var(--wbi-space-2); }
.entry-content blockquote {
    border-left: 4px solid var(--wbi-cyan);
    padding: var(--wbi-space-5) var(--wbi-space-6);
    background: var(--wbi-gray-50);
    border-radius: 0 var(--wbi-radius-md) var(--wbi-radius-md) 0;
    margin: var(--wbi-space-8) 0;
    font-style: italic;
    color: var(--wbi-gray-600);
}
.entry-content pre {
    background: var(--wbi-gray-900);
    color: var(--wbi-cyan);
    padding: var(--wbi-space-6);
    border-radius: var(--wbi-radius-lg);
    overflow-x: auto;
    font-family: var(--wbi-font-mono);
    font-size: .875rem;
    margin-bottom: var(--wbi-space-6);
}
.entry-content code { font-family: var(--wbi-font-mono); background: var(--wbi-gray-100); padding: 2px 6px; border-radius: 4px; font-size: .875em; }
.entry-content pre code { background: none; padding: 0; }
.entry-content table { width: 100%; border-collapse: collapse; margin-bottom: var(--wbi-space-6); }
.entry-content th, .entry-content td { padding: var(--wbi-space-3) var(--wbi-space-4); border: 1px solid var(--wbi-gray-200); text-align: left; }
.entry-content th { background: var(--wbi-gray-50); font-weight: 700; color: var(--wbi-gray-900); }
.entry-content img { border-radius: var(--wbi-radius-lg); }
.dark-mode .entry-title { color: #fff; }
.dark-mode .entry-content { color: rgba(255,255,255,.8); }
.dark-mode .entry-content h2, .dark-mode .entry-content h3 { color: #fff; }

/* Reading Progress Bar */
.wbi-reading-progress {
    position: fixed;
    top: var(--wbi-header-h);
    left: 0;
    height: 3px;
    background: var(--wbi-grad-gold);
    z-index: calc(var(--wbi-z-header) + 1);
    transition: width .1s linear;
    box-shadow: 0 0 8px rgba(245,158,11,.6);
}

/* Author Box */
.wbi-author-box {
    background: var(--wbi-gray-50);
    border: 1px solid var(--wbi-gray-200);
    border-radius: var(--wbi-radius-xl);
    padding: var(--wbi-space-8);
    margin: var(--wbi-space-12) 0;
    display: flex;
    gap: var(--wbi-space-6);
}
.wbi-author-avatar { width: 80px; height: 80px; border-radius: 50%; flex-shrink: 0; object-fit: cover; }
.wbi-author-name { font-weight: 800; font-size: var(--wbi-text-lg); color: var(--wbi-gray-900); margin-bottom: 4px; }
.wbi-author-bio { color: var(--wbi-gray-500); line-height: 1.7; }
.dark-mode .wbi-author-box { background: var(--wbi-navy-mid); border-color: rgba(255,255,255,.08); }
.dark-mode .wbi-author-name { color: #fff; }
@media (max-width: 640px) { .wbi-author-box { flex-direction: column; } }

/* Post Navigation */
.post-navigation {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--wbi-space-4);
    margin: var(--wbi-space-10) 0;
}
.nav-previous, .nav-next {
    background: var(--wbi-gray-50);
    border: 1px solid var(--wbi-gray-200);
    border-radius: var(--wbi-radius-lg);
    padding: var(--wbi-space-5);
    transition: all var(--wbi-dur-base) var(--wbi-ease);
}
.nav-previous:hover, .nav-next:hover { border-color: var(--wbi-blue-mid); box-shadow: var(--wbi-shadow-sm); }
.nav-next { text-align: right; }
.nav-label { font-size: var(--wbi-text-xs); color: var(--wbi-gray-400); font-weight: 700; letter-spacing: .08em; text-transform: uppercase; display: block; margin-bottom: 4px; }
.nav-post-title { font-weight: 700; color: var(--wbi-blue-mid); font-size: var(--wbi-text-sm); }

/* ═══════════════════════════════════════════════════════════
   COMMENTS
   ═══════════════════════════════════════════════════════════ */
.comments-area { margin-top: var(--wbi-space-12); }
.comments-title { font-size: var(--wbi-text-2xl); font-weight: 800; color: var(--wbi-gray-900); margin-bottom: var(--wbi-space-8); }
.comment-list { padding: 0; }
.comment-list li { list-style: none; margin-bottom: var(--wbi-space-6); }
.comment-body {
    background: var(--wbi-gray-50);
    border: 1px solid var(--wbi-gray-200);
    border-radius: var(--wbi-radius-lg);
    padding: var(--wbi-space-6);
}
.comment-author { display: flex; align-items: center; gap: var(--wbi-space-3); margin-bottom: var(--wbi-space-4); }
.comment-author img { width: 44px; height: 44px; border-radius: 50%; }
.comment-author .fn { font-weight: 700; color: var(--wbi-gray-900); }
.comment-metadata { font-size: var(--wbi-text-xs); color: var(--wbi-gray-400); margin-top: 2px; }
.comment-content { color: var(--wbi-gray-600); line-height: 1.7; }
.comment-reply-link { font-size: var(--wbi-text-xs); font-weight: 700; color: var(--wbi-blue-mid); margin-top: var(--wbi-space-3); display: inline-block; }
.children { margin-left: var(--wbi-space-8); margin-top: var(--wbi-space-4); }

/* Comment Form */
.comment-respond { margin-top: var(--wbi-space-10); }
.comment-reply-title { font-size: var(--wbi-text-xl); font-weight: 800; margin-bottom: var(--wbi-space-6); color: var(--wbi-gray-900); }
.comment-form p { margin-bottom: var(--wbi-space-4); }
.comment-form label { display: block; font-weight: 600; color: var(--wbi-gray-700); margin-bottom: var(--wbi-space-2); font-size: var(--wbi-text-sm); }
.comment-form input, .comment-form textarea {
    width: 100%;
    padding: 12px 16px;
    border: 1px solid var(--wbi-gray-300);
    border-radius: var(--wbi-radius-md);
    font-size: var(--wbi-text-sm);
    font-family: var(--wbi-font-body);
    transition: border-color var(--wbi-dur-fast) var(--wbi-ease);
    background: #fff;
    color: var(--wbi-gray-900);
}
.comment-form input:focus, .comment-form textarea:focus { border-color: var(--wbi-blue-mid); outline: none; box-shadow: 0 0 0 3px rgba(30,58,138,.1); }
.comment-form textarea { min-height: 140px; resize: vertical; }
.comment-form .submit {
    background: var(--wbi-grad-card);
    color: #fff;
    padding: 13px 28px;
    border: none;
    border-radius: var(--wbi-radius-full);
    font-weight: 700;
    font-size: var(--wbi-text-sm);
    cursor: pointer;
    transition: all var(--wbi-dur-base) var(--wbi-ease);
}
.comment-form .submit:hover { transform: translateY(-2px); box-shadow: var(--wbi-shadow-blue); }

/* ═══════════════════════════════════════════════════════════
   SIDEBAR WIDGETS
   ═══════════════════════════════════════════════════════════ */
.widget {
    background: #fff;
    border: 1px solid var(--wbi-gray-200);
    border-radius: var(--wbi-radius-xl);
    padding: var(--wbi-space-6);
    margin-bottom: var(--wbi-space-6);
}
.widget-title {
    font-size: var(--wbi-text-base);
    font-weight: 800;
    color: var(--wbi-gray-900);
    margin-bottom: var(--wbi-space-5);
    padding-bottom: var(--wbi-space-4);
    border-bottom: 2px solid var(--wbi-gray-100);
    display: flex;
    align-items: center;
    gap: var(--wbi-space-2);
}
.widget ul { display: flex; flex-direction: column; gap: var(--wbi-space-3); }
.widget ul li a { color: var(--wbi-gray-600); font-size: var(--wbi-text-sm); display: flex; align-items: center; gap: var(--wbi-space-2); transition: color var(--wbi-dur-fast) var(--wbi-ease); }
.widget ul li a:hover { color: var(--wbi-blue-mid); }
.dark-mode .widget { background: var(--wbi-navy-mid); border-color: rgba(255,255,255,.08); }
.dark-mode .widget-title { color: #fff; border-bottom-color: rgba(255,255,255,.08); }
.dark-mode .widget ul li a { color: rgba(255,255,255,.7); }

/* Insurance Widget */
.wbi-insurance-widget {
    background: var(--wbi-grad-card);
    border: none;
    color: #fff;
}
.wbi-insurance-widget .widget-title { color: var(--wbi-gold); border-bottom-color: rgba(255,255,255,.1); }
.wbi-ins-widget-item {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: var(--wbi-space-3);
    border-radius: var(--wbi-radius-md);
    transition: background var(--wbi-dur-fast) var(--wbi-ease);
    cursor: pointer;
}
.wbi-ins-widget-item:hover { background: rgba(255,255,255,.08); }
.wbi-ins-widget-icon { font-size: 1.25rem; }
.wbi-ins-widget-name { font-size: var(--wbi-text-sm); font-weight: 600; color: rgba(255,255,255,.9); }
.wbi-ins-widget-cashback { font-size: var(--wbi-text-xs); color: var(--wbi-gold); font-weight: 700; }

/* ═══════════════════════════════════════════════════════════
   SEARCH OVERLAY
   ═══════════════════════════════════════════════════════════ */
.wbi-search-overlay {
    position: fixed;
    inset: 0;
    background: rgba(10,22,40,.95);
    backdrop-filter: blur(12px);
    z-index: var(--wbi-z-modal);
    display: flex;
    align-items: flex-start;
    justify-content: center;
    padding-top: 120px;
    opacity: 0;
    visibility: hidden;
    transition: all var(--wbi-dur-base) var(--wbi-ease);
}
.wbi-search-overlay.active { opacity: 1; visibility: visible; }
.wbi-search-box {
    width: 100%;
    max-width: 680px;
    padding: 0 var(--wbi-space-6);
}
.wbi-search-box form { position: relative; }
.wbi-search-box input {
    width: 100%;
    padding: 20px 28px;
    padding-right: 70px;
    font-size: var(--wbi-text-xl);
    background: rgba(255,255,255,.08);
    border: 2px solid rgba(255,255,255,.2);
    border-radius: var(--wbi-radius-xl);
    color: #fff;
    backdrop-filter: blur(8px);
    outline: none;
    transition: border-color var(--wbi-dur-fast) var(--wbi-ease);
}
.wbi-search-box input::placeholder { color: rgba(255,255,255,.4); }
.wbi-search-box input:focus { border-color: var(--wbi-gold); }
.wbi-search-close {
    position: absolute;
    top: -60px;
    right: var(--wbi-space-6);
    color: rgba(255,255,255,.6);
    font-size: 2rem;
    background: none;
    border: none;
    cursor: pointer;
    transition: color var(--wbi-dur-fast) var(--wbi-ease);
}
.wbi-search-close:hover { color: #fff; }

/* ═══════════════════════════════════════════════════════════
   AD CONTAINERS
   ═══════════════════════════════════════════════════════════ */
.wbi-ad-container {
    text-align: center;
    clear: both;
    overflow: hidden;
}
.wbi-ad-label {
    font-size: .6rem;
    color: var(--wbi-gray-400);
    letter-spacing: .15em;
    text-transform: uppercase;
    display: block;
    margin-bottom: 4px;
}
.wbi-ad-header { padding: var(--wbi-space-4) 0; background: var(--wbi-gray-50); border-bottom: 1px solid var(--wbi-gray-200); }
.wbi-ad-content-top, .wbi-ad-content-bottom { margin: var(--wbi-space-8) 0; }
.wbi-ad-sidebar { margin-bottom: var(--wbi-space-6); }
.wbi-ad-sticky-bottom {
    position: fixed;
    bottom: 0; left: 0; right: 0;
    z-index: 900;
    background: #fff;
    border-top: 1px solid var(--wbi-gray-200);
    padding: var(--wbi-space-3) 0;
    text-align: center;
    box-shadow: 0 -4px 20px rgba(0,0,0,.1);
}
.wbi-ad-sticky-close {
    position: absolute;
    top: 4px; right: var(--wbi-space-4);
    width: 24px; height: 24px;
    background: var(--wbi-gray-200);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: .7rem;
    cursor: pointer;
    border: none;
    color: var(--wbi-gray-600);
}

/* ═══════════════════════════════════════════════════════════
   FOOTER
   ═══════════════════════════════════════════════════════════ */
#colophon {
    background: var(--wbi-navy);
    color: rgba(255,255,255,.7);
    padding-top: var(--wbi-space-20);
}
.footer-main {
    display: grid;
    grid-template-columns: 1.5fr repeat(3, 1fr);
    gap: var(--wbi-space-10);
    padding-bottom: var(--wbi-space-12);
    border-bottom: 1px solid rgba(255,255,255,.08);
}
.footer-brand .site-title { font-size: 1.375rem; margin-bottom: var(--wbi-space-4); display: block; }
.footer-brand-desc { font-size: var(--wbi-text-sm); line-height: 1.8; color: rgba(255,255,255,.5); max-width: 300px; margin-bottom: var(--wbi-space-6); }
.footer-social { display: flex; gap: var(--wbi-space-3); }
.footer-social-link {
    width: 40px; height: 40px;
    display: flex; align-items: center; justify-content: center;
    background: rgba(255,255,255,.08);
    border: 1px solid rgba(255,255,255,.1);
    border-radius: var(--wbi-radius-md);
    color: rgba(255,255,255,.7);
    font-size: .875rem;
    transition: all var(--wbi-dur-fast) var(--wbi-ease);
    text-decoration: none;
}
.footer-social-link:hover { background: var(--wbi-gold); border-color: var(--wbi-gold); color: var(--wbi-navy); }
.footer-col-title {
    font-weight: 800;
    color: #fff;
    font-size: var(--wbi-text-sm);
    margin-bottom: var(--wbi-space-5);
    letter-spacing: .04em;
}
.footer-col-links { display: flex; flex-direction: column; gap: var(--wbi-space-3); }
.footer-col-links a {
    font-size: var(--wbi-text-sm);
    color: rgba(255,255,255,.5);
    display: flex;
    align-items: center;
    gap: var(--wbi-space-2);
    transition: all var(--wbi-dur-fast) var(--wbi-ease);
}
.footer-col-links a:hover { color: var(--wbi-gold); padding-left: 4px; }
.footer-bottom {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: var(--wbi-space-6) 0;
    gap: var(--wbi-space-4);
    flex-wrap: wrap;
}
.footer-copyright { font-size: var(--wbi-text-xs); color: rgba(255,255,255,.4); }
.footer-links { display: flex; gap: var(--wbi-space-5); }
.footer-links a { font-size: var(--wbi-text-xs); color: rgba(255,255,255,.4); transition: color var(--wbi-dur-fast) var(--wbi-ease); }
.footer-links a:hover { color: var(--wbi-gold); }
@media (max-width: 1024px) { .footer-main { grid-template-columns: 1fr 1fr; gap: var(--wbi-space-8); } }
@media (max-width: 640px)  { .footer-main { grid-template-columns: 1fr; } .footer-bottom { flex-direction: column; text-align: center; } }

/* ═══════════════════════════════════════════════════════════
   PAGINATION
   ═══════════════════════════════════════════════════════════ */
.pagination, .woocommerce-pagination {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--wbi-space-2);
    margin: var(--wbi-space-12) 0;
    flex-wrap: wrap;
}
.page-numbers {
    width: 44px; height: 44px;
    display: flex; align-items: center; justify-content: center;
    border-radius: var(--wbi-radius-md);
    font-weight: 700;
    font-size: var(--wbi-text-sm);
    border: 1px solid var(--wbi-gray-200);
    color: var(--wbi-gray-600);
    transition: all var(--wbi-dur-fast) var(--wbi-ease);
}
.page-numbers:hover, .page-numbers.current {
    background: var(--wbi-blue);
    border-color: var(--wbi-blue);
    color: #fff;
}
.page-numbers.dots { border: none; width: auto; }

/* ═══════════════════════════════════════════════════════════
   BREADCRUMBS
   ═══════════════════════════════════════════════════════════ */
.wbi-breadcrumbs {
    padding: var(--wbi-space-4) 0;
    border-bottom: 1px solid var(--wbi-gray-200);
    margin-bottom: var(--wbi-space-8);
}
.wbi-breadcrumb-list { display: flex; align-items: center; gap: var(--wbi-space-2); flex-wrap: wrap; }
.wbi-breadcrumb-item { font-size: var(--wbi-text-xs); color: var(--wbi-gray-500); }
.wbi-breadcrumb-item a { color: var(--wbi-blue-mid); }
.wbi-breadcrumb-item a:hover { color: var(--wbi-cyan); }
.wbi-breadcrumb-sep { color: var(--wbi-gray-300); }

/* ═══════════════════════════════════════════════════════════
   404 PAGE
   ═══════════════════════════════════════════════════════════ */
.error404 .site-main { min-height: 70vh; display: flex; align-items: center; }
.wbi-404-number {
    font-size: clamp(8rem, 20vw, 16rem);
    font-weight: 900;
    line-height: 1;
    background: var(--wbi-grad-gold);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    letter-spacing: -.05em;
    display: block;
}
.wbi-404-title { font-size: var(--wbi-text-3xl); font-weight: 800; color: var(--wbi-gray-900); margin-bottom: var(--wbi-space-4); }
.wbi-404-desc { color: var(--wbi-gray-500); margin-bottom: var(--wbi-space-8); max-width: 480px; }
.dark-mode .wbi-404-title { color: #fff; }

/* ═══════════════════════════════════════════════════════════
   PLUGIN INTEGRATION — WB INSURANCE PRO
   ═══════════════════════════════════════════════════════════ */
/* Override plugin styles to match theme branding */
.irp-dash-card,
[class*="irp-"] { font-family: var(--wbi-font-body) !important; }

/* Plugin login/register page */
.irp-auth-wrap {
    min-height: 100vh;
    background: var(--wbi-grad-hero);
    display: flex;
    align-items: center;
    justify-content: center;
    padding: var(--wbi-space-8);
}

/* ═══════════════════════════════════════════════════════════
   DARK MODE
   ═══════════════════════════════════════════════════════════ */
@media (prefers-color-scheme: dark) {
    body:not(.light-mode) {
        --wbi-off-white: #0a1628;
        background: var(--wbi-navy);
        color: rgba(255,255,255,.8);
    }
}

/* ═══════════════════════════════════════════════════════════
   KEYFRAME ANIMATIONS
   ═══════════════════════════════════════════════════════════ */
@keyframes wbiFloat {
    0%,100% { transform: translateY(0); opacity: 0; }
    10%,90%  { opacity: 1; }
    50%       { transform: translateY(-80px); }
}
@keyframes wbiFloatCard {
    0%,100% { transform: translateY(0) rotate(0); }
    50%      { transform: translateY(-16px) rotate(1deg); }
}
@keyframes wbiPulse {
    0%,100% { transform: scale(1); opacity: .6; }
    50%      { transform: scale(1.15); opacity: 1; }
}
@keyframes wbiFadeInUp {
    from { opacity: 0; transform: translateY(32px); }
    to   { opacity: 1; transform: translateY(0); }
}
@keyframes wbiFadeIn {
    from { opacity: 0; }
    to   { opacity: 1; }
}
@keyframes wbiCountUp {
    from { opacity: 0; transform: scale(.8); }
    to   { opacity: 1; transform: scale(1); }
}
@keyframes wbiShimmer {
    0%   { background-position: -200% 0; }
    100% { background-position: 200% 0; }
}
.wbi-animate-fade-up { animation: wbiFadeInUp .8s var(--wbi-ease) both; }
.wbi-animate-fade    { animation: wbiFadeIn .6s var(--wbi-ease) both; }

/* ═══════════════════════════════════════════════════════════
   UTILITY CLASSES
   ═══════════════════════════════════════════════════════════ */
.wbi-sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; }
.wbi-hidden  { display: none !important; }
.wbi-mt-auto { margin-top: auto; }
.wbi-truncate { overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.wbi-rounded-full { border-radius: var(--wbi-radius-full); }
.wbi-relative { position: relative; }
.wbi-overflow-hidden { overflow: hidden; }

/* ═══════════════════════════════════════════════════════════
   PRINT STYLES
   ═══════════════════════════════════════════════════════════ */
@media print {
    #masthead, #colophon, .wbi-ad-container, .widget-area, .post-navigation, .comments-area { display: none !important; }
    body { color: #000; background: #fff; }
    a { color: #000; text-decoration: underline; }
    .entry-content { font-size: 12pt; line-height: 1.5; }
}