/* =====================================================
   VEHICLE INSURANCE PAGE — vehicle.css
   All styles namespaced under .vi-* to avoid conflicts
   ===================================================== */

/* ---------- Reset ---------- */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

/* ---------- Design tokens ---------- */
:root {
  --vi-green:       #2e7d32;
  --vi-green-dark:  #1b5e20;
  --vi-green-light: #e8f5e9;
  --vi-green-mid:   #66bb6a;
  --vi-heading:     #0d1117;
  --vi-body:        #444444;
  --vi-muted:       #7a7a7a;
  --vi-border:      rgba(0, 0, 0, 0.07);
  --vi-card-bg:     #ffffff;
  --vi-section-bg:  #f9fafb;
  --vi-radius:      16px;
  --vi-radius-sm:   10px;
  --vi-shadow:      0 2px 4px rgba(0,0,0,0.04), 0 8px 28px rgba(0,0,0,0.08);
  --vi-shadow-hover:0 8px 16px rgba(0,0,0,0.06), 0 24px 48px rgba(0,0,0,0.12);
  --vi-ease:        cubic-bezier(0.4, 0, 0.2, 1);
  --vi-spring:      cubic-bezier(0.34, 1.56, 0.64, 1);
}

/* =====================================================
   SHARED LAYOUT
   ===================================================== */
.vi-container {
  width: 100%;
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 40px;
}

.vi-section-header {
  text-align: center;
  margin-bottom: 52px;
}

.vi-section-label {
  display: inline-block;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  color: var(--vi-green);
  background: var(--vi-green-light);
  padding: 4px 14px;
  border-radius: 50px;
  margin-bottom: 14px;
}

.vi-section-title {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800;
  color: var(--vi-heading);
  line-height: 1.2;
  letter-spacing: -0.03em;
  margin-bottom: 14px;
}

.vi-section-desc {
  font-size: 0.975rem;
  color: var(--vi-muted);
  max-width: 520px;
  margin: 0 auto;
  line-height: 1.7;
}

/* =====================================================
   BUTTONS
   ===================================================== */
.vi-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  font-size: 0.9rem;
  font-weight: 700;
  border-radius: 50px;
  text-decoration: none;
  cursor: pointer;
  font-family: inherit;
  border: 2px solid transparent;
  white-space: nowrap;
  letter-spacing: 0.01em;
  transition:
    transform 0.22s var(--vi-spring),
    box-shadow 0.22s var(--vi-ease),
    background 0.2s var(--vi-ease),
    color 0.2s var(--vi-ease);
}

.vi-btn--primary {
  background: var(--vi-green);
  color: #ffffff;
  box-shadow: 0 4px 14px rgba(46, 125, 50, 0.3);
}

.vi-btn--primary:hover {
  background: var(--vi-green-dark);
  transform: scale(1.04);
  box-shadow: 0 8px 24px rgba(46, 125, 50, 0.4);
}

.vi-btn--ghost {
  background: transparent;
  color: var(--vi-heading);
  border-color: rgba(0, 0, 0, 0.18);
}

.vi-btn--ghost:hover {
  background: rgba(0, 0, 0, 0.04);
  transform: scale(1.03);
}

.vi-btn--white {
  background: #ffffff;
  color: var(--vi-green-dark);
  box-shadow: 0 4px 16px rgba(0,0,0,0.15);
}

.vi-btn--white:hover {
  background: #f0fdf4;
  transform: scale(1.04);
}

.vi-btn--outline-white {
  background: transparent;
  color: #ffffff;
  border-color: rgba(255,255,255,0.45);
}

.vi-btn--outline-white:hover {
  background: rgba(255,255,255,0.12);
  transform: scale(1.03);
}

/* =====================================================
   1. HERO
   ===================================================== */
.vi-hero {
  background: #ffffff;
  padding: 72px 0 80px;
  border-bottom: 1px solid var(--vi-border);
  overflow: hidden;
  position: relative;
}

/* very subtle gradient wash */
.vi-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 80% 60% at 70% 50%, rgba(46,125,50,0.05) 0%, transparent 70%);
  pointer-events: none;
}

.vi-hero__container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
  position: relative;
}

/* Tag */
.vi-hero__tag {
  display: inline-block;
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--vi-green);
  background: var(--vi-green-light);
  padding: 5px 14px;
  border-radius: 50px;
  margin-bottom: 22px;
}

.vi-hero__title {
  font-size: clamp(1.9rem, 3.2vw, 3rem);
  font-weight: 800;
  color: var(--vi-heading);
  line-height: 1.12;
  letter-spacing: -0.035em;
  margin-bottom: 20px;
}

.vi-hero__highlight {
  color: var(--vi-green);
}

.vi-hero__description {
  font-size: 1rem;
  color: var(--vi-body);
  line-height: 1.78;
  margin-bottom: 28px;
  max-width: 440px;
}

/* Bullet list */
.vi-hero__bullets {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 36px;
}

.vi-hero__bullet {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--vi-heading);
}

.vi-hero__bullet-icon {
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--vi-green-light);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--vi-green);
}

.vi-hero__actions {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}

/* ---- Illustration ---- */
.vi-hero__right {
  display: flex;
  align-items: center;
  justify-content: center;
}

.vi-hero__illus {
  position: relative;
  width: 100%;
  max-width: 480px;
}

.vi-illus__ground {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 12px;
  background: rgba(0,0,0,0.04);
  border-radius: 50%;
  filter: blur(4px);
}

.vi-illus__road-line {
  display: none; /* decorative only via ::before */
}

.vi-illus__car {
  width: 100%;
  padding: 32px 20px 60px;
  filter: drop-shadow(0 16px 32px rgba(0,0,0,0.18));
  animation: floatCar 4s ease-in-out infinite;
}

.vi-illus__car svg {
  width: 100%;
  height: auto;
}

@keyframes floatCar {
  0%,100% { transform: translateY(0); }
  50%      { transform: translateY(-10px); }
}

.vi-illus__bike {
  position: absolute;
  bottom: -4px;
  right: -20px;
  width: 38%;
  filter: drop-shadow(0 8px 20px rgba(0,0,0,0.2));
  animation: floatBike 5s ease-in-out 0.8s infinite;
}

.vi-illus__bike svg {
  width: 100%;
  height: auto;
}

@keyframes floatBike {
  0%,100% { transform: translateY(0) rotate(-1deg); }
  50%      { transform: translateY(-8px) rotate(1deg); }
}

/* Badge chips on illustration */
.vi-illus__badge {
  position: absolute;
  display: flex;
  align-items: center;
  gap: 5px;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--vi-heading);
  background: #ffffff;
  border: 1px solid rgba(46,125,50,0.2);
  border-radius: 50px;
  padding: 6px 12px;
  box-shadow: 0 4px 14px rgba(0,0,0,0.1);
  white-space: nowrap;
}

.vi-illus__badge--1 { top: 12%; left: 2%; }
.vi-illus__badge--2 { top: 42%; right: 0%; }
.vi-illus__badge--3 { bottom: 22%; left: 5%; }

/* =====================================================
   2. TYPES OF VEHICLE INSURANCE
   ===================================================== */
.vi-types {
  background: var(--vi-section-bg);
  padding: 80px 0 88px;
}

.vi-types__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.vi-type-card {
  background: var(--vi-card-bg);
  border: 1px solid var(--vi-border);
  border-radius: var(--vi-radius);
  padding: 32px 28px 28px;
  display: flex;
  flex-direction: column;
  position: relative;
  box-shadow: var(--vi-shadow);
  transition: transform 0.28s var(--vi-spring), box-shadow 0.28s var(--vi-ease);
  overflow: hidden;
}

.vi-type-card:hover {
  transform: translateY(-7px);
  box-shadow: var(--vi-shadow-hover);
}

/* Top gradient accent line */
.vi-type-card__accent {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--vi-green), var(--vi-green-mid));
  border-radius: var(--vi-radius) var(--vi-radius) 0 0;
}

/* Featured card */
.vi-type-card--featured {
  border-color: rgba(46,125,50,0.25);
  box-shadow: 0 4px 8px rgba(46,125,50,0.08), 0 16px 48px rgba(46,125,50,0.12);
}

.vi-type-card--featured .vi-type-card__accent {
  height: 4px;
  background: linear-gradient(90deg, var(--vi-green-dark), var(--vi-green), var(--vi-green-mid));
}

.vi-type-card__badge {
  position: absolute;
  top: 18px;
  right: 18px;
  font-size: 0.65rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #ffffff;
  background: var(--vi-green);
  padding: 3px 10px;
  border-radius: 50px;
}

.vi-type-card__icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: var(--vi-green-light);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--vi-green);
  margin-bottom: 20px;
  flex-shrink: 0;
  transition: transform 0.28s var(--vi-spring), background 0.2s;
}

.vi-type-card:hover .vi-type-card__icon {
  transform: scale(1.1) rotate(-3deg);
  background: #d0ead2;
}

.vi-type-card__title {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--vi-heading);
  margin-bottom: 6px;
  letter-spacing: -0.02em;
}

.vi-type-card__sub {
  font-size: 0.85rem;
  color: var(--vi-muted);
  margin-bottom: 20px;
  line-height: 1.5;
}

.vi-type-card__list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
  flex: 1;
  margin-bottom: 24px;
}

.vi-type-card__list li {
  font-size: 0.875rem;
  color: var(--vi-body);
  padding-left: 16px;
  position: relative;
  line-height: 1.5;
}

.vi-type-card__list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 8px;
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--vi-green);
}

.vi-type-card__cta {
  width: 100%;
  padding: 11px 20px;
  background: var(--vi-green-light);
  color: var(--vi-green-dark);
  border: none;
  border-radius: 50px;
  font-size: 0.875rem;
  font-weight: 700;
  cursor: pointer;
  font-family: inherit;
  letter-spacing: 0.01em;
  transition: background 0.2s, transform 0.2s var(--vi-spring), box-shadow 0.2s;
}

.vi-type-card__cta:hover {
  background: var(--vi-green);
  color: #ffffff;
  transform: scale(1.03);
  box-shadow: 0 4px 14px rgba(46,125,50,0.3);
}

/* =====================================================
   3. ADD-ONS
   ===================================================== */
.vi-addons {
  background: #ffffff;
  padding: 80px 0 88px;
}

.vi-addons__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}

.vi-addon {
  background: var(--vi-section-bg);
  border: 1px solid var(--vi-border);
  border-radius: var(--vi-radius-sm);
  padding: 24px 20px;
  text-align: center;
  transition: transform 0.24s var(--vi-spring), box-shadow 0.24s var(--vi-ease), border-color 0.2s;
}

.vi-addon:hover {
  transform: translateY(-5px);
  border-color: rgba(46,125,50,0.2);
  box-shadow: 0 4px 8px rgba(0,0,0,0.05), 0 16px 36px rgba(46,125,50,0.1);
}

.vi-addon__icon {
  width: 46px;
  height: 46px;
  border-radius: 12px;
  background: var(--vi-green-light);
  color: var(--vi-green);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
  transition: transform 0.28s var(--vi-spring);
}

.vi-addon:hover .vi-addon__icon {
  transform: scale(1.12) rotate(-4deg);
}

.vi-addon__title {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--vi-heading);
  margin-bottom: 6px;
  letter-spacing: -0.01em;
}

.vi-addon__text {
  font-size: 0.8rem;
  color: var(--vi-muted);
  line-height: 1.55;
}

/* =====================================================
   4. COVERAGE DETAILS
   ===================================================== */
.vi-coverage {
  background: var(--vi-section-bg);
  padding: 80px 0 88px;
}

.vi-coverage__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.vi-coverage__card {
  background: #ffffff;
  border-radius: var(--vi-radius);
  padding: 36px 32px;
  border: 1px solid var(--vi-border);
  box-shadow: var(--vi-shadow);
}

.vi-coverage__card-header {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 28px;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--vi-border);
}

.vi-coverage__card-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.vi-coverage__card-icon--yes {
  background: #e8f5e9;
  color: var(--vi-green);
}

.vi-coverage__card-icon--no {
  background: #fdecea;
  color: #e53935;
}

.vi-coverage__card--yes {
  border-top: 3px solid var(--vi-green);
}

.vi-coverage__card--no {
  border-top: 3px solid #e53935;
}

.vi-coverage__card-title {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--vi-heading);
  letter-spacing: -0.02em;
}

.vi-coverage__list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.vi-coverage__list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.9rem;
  color: var(--vi-body);
  line-height: 1.55;
}

.vi-coverage__list li svg {
  flex-shrink: 0;
  margin-top: 3px;
}

/* =====================================================
   5. CLAIM PROCESS
   ===================================================== */
.vi-claim {
  background: #ffffff;
  padding: 80px 0 88px;
}

.vi-claim__timeline {
  max-width: 680px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0;
}

.vi-claim__step {
  display: grid;
  grid-template-columns: 56px 1fr;
  gap: 24px;
  align-items: flex-start;
}

.vi-claim__step-left {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0;
  position: relative;
}

.vi-claim__step-num {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--vi-green);
  color: #ffffff;
  font-size: 0.8rem;
  font-weight: 800;
  letter-spacing: 0.04em;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(46,125,50,0.3);
  transition: transform 0.24s var(--vi-spring);
}

.vi-claim__step:hover .vi-claim__step-num {
  transform: scale(1.1);
}

.vi-claim__step-line {
  width: 2px;
  flex: 1;
  min-height: 40px;
  background: linear-gradient(180deg, var(--vi-green) 0%, rgba(46,125,50,0.15) 100%);
  border-radius: 1px;
  margin: 6px 0;
}

.vi-claim__step-card {
  background: var(--vi-section-bg);
  border: 1px solid var(--vi-border);
  border-radius: var(--vi-radius-sm);
  padding: 24px 24px 28px;
  margin-bottom: 20px;
  transition: transform 0.24s var(--vi-spring), box-shadow 0.24s var(--vi-ease), border-color 0.2s;
}

.vi-claim__step:hover .vi-claim__step-card {
  transform: translateX(6px);
  border-color: rgba(46,125,50,0.2);
  box-shadow: 0 4px 8px rgba(0,0,0,0.04), 0 12px 32px rgba(46,125,50,0.09);
}

.vi-claim__step-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--vi-green-light);
  color: var(--vi-green);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 12px;
}

.vi-claim__step-title {
  font-size: 1rem;
  font-weight: 800;
  color: var(--vi-heading);
  letter-spacing: -0.02em;
  margin-bottom: 8px;
}

.vi-claim__step-desc {
  font-size: 0.875rem;
  color: var(--vi-muted);
  line-height: 1.65;
}

/* =====================================================
   6. TAX BENEFITS
   ===================================================== */
.vi-tax {
  background: var(--vi-section-bg);
  padding: 80px 0 88px;
}

.vi-tax__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.vi-tax-card {
  background: #ffffff;
  border: 1px solid var(--vi-border);
  border-radius: var(--vi-radius);
  padding: 36px 28px;
  text-align: center;
  box-shadow: var(--vi-shadow);
  transition: transform 0.24s var(--vi-spring), box-shadow 0.24s var(--vi-ease);
}

.vi-tax-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--vi-shadow-hover);
}

.vi-tax-card__icon {
  width: 60px;
  height: 60px;
  border-radius: 16px;
  background: var(--vi-green-light);
  color: var(--vi-green);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  transition: transform 0.28s var(--vi-spring);
}

.vi-tax-card:hover .vi-tax-card__icon {
  transform: scale(1.1) rotate(-5deg);
}

.vi-tax-card__title {
  font-size: 1rem;
  font-weight: 800;
  color: var(--vi-heading);
  letter-spacing: -0.02em;
  margin-bottom: 10px;
}

.vi-tax-card__text {
  font-size: 0.875rem;
  color: var(--vi-body);
  line-height: 1.68;
}

/* =====================================================
   7. COMMERCIAL VEHICLES
   ===================================================== */
.vi-commercial {
  background: #ffffff;
  padding: 80px 0 88px;
}

.vi-commercial__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}

.vi-commercial__desc {
  font-size: 1rem;
  color: var(--vi-body);
  line-height: 1.78;
  margin-bottom: 28px;
  max-width: 460px;
}

/* Section title left-aligned variant (commercial section) */
.vi-section-title--left {
  text-align: left;
  margin-top: 10px;
}

/* Button top margin utility (commercial section) */
.vi-btn--mt {
  margin-top: 28px;
}

.vi-commercial__list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.vi-commercial__list li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.925rem;
  font-weight: 500;
  color: var(--vi-heading);
}

.vi-commercial__illus {
  display: flex;
  align-items: center;
  justify-content: center;
}

.vi-commercial__illus-inner {
  width: 100%;
  max-width: 380px;
  background: var(--vi-section-bg);
  border: 1px solid var(--vi-border);
  border-radius: var(--vi-radius);
  padding: 32px 24px 20px;
  text-align: center;
  box-shadow: var(--vi-shadow);
}

/* Truck SVG sizing (replaces inline style) */
.vi-commercial__truck-svg {
  width: 100%;
  max-width: 340px;
}

.vi-commercial__illus-chips {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  justify-content: center;
  margin-top: 20px;
}

.vi-commercial__chip {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--vi-heading);
  background: #ffffff;
  border: 1px solid rgba(46,125,50,0.2);
  border-radius: 50px;
  padding: 5px 11px;
}

/* =====================================================
   8. CTA
   ===================================================== */
.vi-cta {
  background: linear-gradient(140deg, #1a2e1a 0%, var(--vi-green) 55%, #1b5e20 100%);
  padding: 88px 0 96px;
  position: relative;
  overflow: hidden;
  text-align: center;
}

.vi-cta__inner {
  position: relative;
  z-index: 1;
  max-width: 640px;
  margin: 0 auto;
}

.vi-cta__glow {
  position: absolute;
  top: -120px;
  left: 50%;
  transform: translateX(-50%);
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(102,187,106,0.3) 0%, transparent 65%);
  pointer-events: none;
  z-index: 0;
}

.vi-cta__title {
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  font-weight: 800;
  color: #ffffff;
  letter-spacing: -0.035em;
  line-height: 1.15;
  margin: 14px 0 18px;
}

.vi-cta__desc {
  font-size: 1rem;
  color: rgba(255,255,255,0.75);
  line-height: 1.7;
  margin-bottom: 36px;
}

.vi-cta__actions {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 20px;
}

.vi-cta__note {
  font-size: 0.825rem;
  color: rgba(255,255,255,0.55);
  letter-spacing: 0.01em;
}

/* =====================================================
   9. FAQ
   ===================================================== */
.vi-faq {
  background: var(--vi-section-bg);
  padding: 80px 0 88px;
}

.vi-faq__list {
  max-width: 720px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.vi-faq__item {
  background: #ffffff;
  border: 1px solid var(--vi-border);
  border-radius: var(--vi-radius-sm);
  overflow: hidden;
  transition: border-color 0.2s var(--vi-ease), box-shadow 0.2s var(--vi-ease), transform 0.22s var(--vi-spring);
  box-shadow: 0 1px 3px rgba(0,0,0,0.04);
}

.vi-faq__item:hover {
  border-color: rgba(46,125,50,0.2);
  box-shadow: 0 2px 8px rgba(0,0,0,0.05), 0 6px 22px rgba(0,0,0,0.07);
  transform: translateY(-2px);
}

.vi-faq__item--open {
  border-color: rgba(46,125,50,0.3);
  box-shadow: 0 2px 8px rgba(0,0,0,0.04), 0 6px 24px rgba(46,125,50,0.08);
}

.vi-faq__q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 22px;
  background: transparent;
  border: none;
  cursor: pointer;
  text-align: left;
  font-size: 0.95rem;
  font-weight: 700;
  color: #1a1a1a;
  font-family: inherit;
  line-height: 1.4;
  transition: background 0.18s, color 0.18s;
}

.vi-faq__q:hover {
  background: #f9fafb;
}

.vi-faq__item--open .vi-faq__q {
  color: var(--vi-green);
  background: #f4faf5;
}

/* Arrow icon */
.vi-faq__arrow {
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  border: 1.5px solid #d0d5dd;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  transition:
    transform 0.3s var(--vi-spring),
    border-color 0.2s,
    background 0.2s;
}

.vi-faq__arrow::before,
.vi-faq__arrow::after {
  content: "";
  position: absolute;
  width: 6px;
  height: 1.5px;
  background: #666;
  border-radius: 1px;
  transition: transform 0.3s var(--vi-spring), background 0.2s;
}

.vi-faq__arrow::before { transform: rotate(-45deg) translateX(2px); }
.vi-faq__arrow::after  { transform: rotate(45deg) translateX(-2px); }

/* Open state */
.vi-faq__item--open .vi-faq__arrow {
  border-color: var(--vi-green);
  background: var(--vi-green-light);
  transform: rotate(180deg);
}
.vi-faq__item--open .vi-faq__arrow::before,
.vi-faq__item--open .vi-faq__arrow::after { background: var(--vi-green); }

/* Answer */
.vi-faq__a {
  padding: 0 22px 20px;
}

.vi-faq__a[hidden] { display: none; }

.vi-faq__a p {
  font-size: 0.9rem;
  color: #555;
  line-height: 1.7;
}

/* =====================================================
   RESPONSIVE
   ===================================================== */
@media (max-width: 1024px) {
  .vi-addons__grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 860px) {
  .vi-hero__container {
    grid-template-columns: 1fr;
    gap: 48px;
    text-align: center;
  }

  .vi-hero__description,
  .vi-hero__bullets {
    margin-left: auto;
    margin-right: auto;
  }

  .vi-hero__bullet {
    justify-content: center;
  }

  .vi-hero__actions {
    justify-content: center;
  }

  .vi-hero__right {
    order: -1;
  }

  .vi-hero__illus {
    max-width: 360px;
    margin: 0 auto;
  }

  .vi-illus__badge--1,
  .vi-illus__badge--2,
  .vi-illus__badge--3 {
    display: none;
  }

  .vi-types__grid {
    grid-template-columns: 1fr;
    max-width: 440px;
    margin: 0 auto;
  }

  .vi-coverage__grid {
    grid-template-columns: 1fr;
  }

  .vi-tax__grid {
    grid-template-columns: 1fr;
    max-width: 400px;
    margin: 0 auto;
  }

  .vi-commercial__grid {
    grid-template-columns: 1fr;
    gap: 48px;
  }

  .vi-commercial__desc {
    max-width: 100%;
  }

  .vi-container {
    padding: 0 24px;
  }
}

@media (max-width: 600px) {
  .vi-addons__grid {
    grid-template-columns: 1fr 1fr;
    gap: 12px;
  }

  .vi-hero {
    padding: 52px 0 60px;
  }

  .vi-types,
  .vi-addons,
  .vi-coverage,
  .vi-claim,
  .vi-tax,
  .vi-commercial,
  .vi-cta,
  .vi-faq {
    padding-top: 60px;
    padding-bottom: 68px;
  }

  .vi-claim__step {
    grid-template-columns: 44px 1fr;
    gap: 16px;
  }

  .vi-claim__step-num {
    width: 40px;
    height: 40px;
    font-size: 0.75rem;
  }

  .vi-cta__actions {
    flex-direction: column;
    align-items: stretch;
    max-width: 280px;
    margin-left: auto;
    margin-right: auto;
  }

  .vi-btn {
    justify-content: center;
  }
}

@media (max-width: 440px) {
  .vi-addons__grid {
    grid-template-columns: 1fr;
  }

  .vi-section-title {
    font-size: 1.5rem;
  }

  .vi-hero__title {
    font-size: 1.75rem;
  }
}