/* =========================================================
   Beemalo — modern refresh (2026)
   Loaded after the original template CSS from view/header.php.
   Remove the <link> to this file to fully revert the look.
   ========================================================= */
:root {
  --bm-red: #e8343b;
  --bm-red-dark: #c6252c;
  --bm-navy: #0a3d91;
  --bm-blue: #0b5cff;
  --bm-ink: #1c2638;
  --bm-muted: #5b6577;
  --bm-line: #e3e8f0;
  --bm-bg: #f4f7fc;
  --bm-card: #ffffff;
  --bm-green: #0b5cff;
  --bm-green-bg: #fde8e9;
  --bm-radius: 14px;
  --bm-shadow: 0 6px 24px rgba(17, 38, 80, .08);
  --bm-font: "Poppins", "DM Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
}

/* ---------- global ---------- */
body { font-family: var(--bm-font); color: var(--bm-ink); background: #fff; }
body.custom-cursor .custom-cursor__cursor,
body.custom-cursor .custom-cursor__cursor-two { display: none !important; }
body.custom-cursor, body.custom-cursor * { cursor: auto; }
body.custom-cursor a, body.custom-cursor button { cursor: pointer; }
h1, h2, h3, h4, h5 { font-family: var(--bm-font); color: var(--bm-ink); }

/* ---------- header (site-wide) ---------- */
.main-header-five__top { background: var(--bm-navy) !important; padding: 6px 0 !important; }
.main-header-five__top, .main-header-five__top a, .main-header-five__top p,
.main-header-five__top i, .main-header-five__top span { color: #dbe3f3 !important; font-size: 13px; }
.main-header-five__top a:hover { color: #fff !important; }

.main-menu-five__wrapper, .stricky-header.main-menu-five {
  background: #fff !important;
  box-shadow: 0 2px 12px rgba(17, 38, 80, .06);
  border-bottom: 1px solid var(--bm-line);
}
.main-menu-five__wrapper-inner { min-height: 72px; }
.main-menu-five__logo img { max-height: 46px; width: auto; }
.main-menu .main-menu__list > li > a,
.stricky-header .main-menu__list > li > a {
  font-family: var(--bm-font) !important;
  font-weight: 500 !important;
  font-size: 15px !important;
  color: var(--bm-ink) !important;
  text-transform: none !important;
  letter-spacing: 0 !important;
}
.main-menu .main-menu__list > li.current > a,
.main-menu .main-menu__list > li:hover > a { color: var(--bm-red) !important; }
.main-menu .main-menu__list > li > ul {
  border-radius: 12px; overflow: hidden; box-shadow: var(--bm-shadow); border: 1px solid var(--bm-line);
}
.main-menu .main-menu__list > li > ul > li > a { font-family: var(--bm-font); font-size: 14px; }
.main-menu .main-menu__list > li > ul > li:hover > a { background: var(--bm-bg) !important; color: var(--bm-red) !important; }
.main-menu-five__wrapper .thm-btn-two, .main-menu-five__wrapper .thm-btn,
.main-header-five .thm-btn-two, .main-header-five .thm-btn {
  background: var(--bm-red) !important; border-radius: 10px !important;
  font-family: var(--bm-font); font-weight: 600; text-transform: none; letter-spacing: 0;
  padding: 11px 22px !important; box-shadow: 0 6px 16px rgba(232, 52, 59, .25);
}
.thm-btn-two::before, .thm-btn::before { display: none !important; }
.mobile-nav__content { font-family: var(--bm-font); }

/* ---------- footer (site-wide) ---------- */
.site-footer-three { background: var(--bm-navy) !important; }
.site-footer-three, .site-footer-three p, .site-footer-three a { color: #c9d3e6 !important; font-family: var(--bm-font); }
.site-footer-three a:hover { color: #fff !important; }
/* footer-logo-pill */
.site-footer-three img[src*="logo"] { background: #fff; padding: 8px 14px; border-radius: 12px; }

/* ---------- shared bits ---------- */
.main-header-five { position: relative !important; }
.bm-home { background: #fff; }
.bm-home section { position: relative; }
.bm-btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 12px 22px; border-radius: 10px; font-weight: 600; font-size: 15px;
  text-decoration: none; transition: transform .15s ease, box-shadow .15s ease, background .15s;
  border: 1.5px solid transparent; line-height: 1.2;
}
.bm-btn:hover { transform: translateY(-1px); }
.bm-btn--primary { background: var(--bm-red); color: #fff; box-shadow: 0 8px 20px rgba(232, 52, 59, .25); border: 0; }
.bm-btn--primary:hover { background: var(--bm-red-dark); color: #fff; }
.bm-btn--outline { border-color: var(--bm-blue); color: var(--bm-blue); background: #fff; }
.bm-btn--outline:hover { background: #eef4ff; color: var(--bm-blue); }
.bm-btn--white { background: #fff; color: var(--bm-ink); }
.bm-btn--white:hover { color: var(--bm-red); }
.bm-btn--block { width: 100%; }
.bm-section-title { font-size: clamp(24px, 3vw, 32px); font-weight: 700; text-align: center; margin: 0 0 6px; }
.bm-section-sub { text-align: center; color: var(--bm-muted); margin: 0 0 32px; }
.bm-eyebrow { display: inline-block; font-size: 13px; font-weight: 600; color: var(--bm-red); text-transform: uppercase; letter-spacing: .08em; margin-bottom: 8px; }

/* ---------- hero ---------- */
.bm-hero { padding: 40px 0 28px; background: linear-gradient(180deg, #f7f9fe 0%, #fff 100%); }
.bm-hero__head { display: flex; align-items: flex-end; justify-content: space-between; gap: 20px; margin-bottom: 26px; flex-wrap: wrap; }
.bm-hero__title { font-size: clamp(26px, 4vw, 40px); font-weight: 700; line-height: 1.2; margin: 0 0 12px; }
.bm-hero__title span { color: var(--bm-red); }
.bm-hero__trust { list-style: none; padding: 0; margin: 0; display: flex; gap: 18px; flex-wrap: wrap; color: var(--bm-muted); font-size: 14px; }
.bm-hero__trust i { color: var(--bm-green); margin-right: 4px; }

.bm-products { display: grid; grid-template-columns: repeat(8, 1fr); gap: 14px; }
.bm-product {
  position: relative; display: flex; flex-direction: column; align-items: center; text-align: center;
  background: var(--bm-card); border: 1px solid var(--bm-line); border-radius: var(--bm-radius);
  padding: 30px 8px 16px; text-decoration: none; color: var(--bm-ink);
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s;
}
.bm-product:hover { transform: translateY(-4px); box-shadow: var(--bm-shadow); border-color: #cfd8e8; color: var(--bm-ink); }
.bm-product__tag {
  position: absolute; top: 0; left: 50%; transform: translate(-50%, -50%); white-space: nowrap;
  background: var(--bm-green-bg); color: #c6252c; font-size: 10.5px; font-weight: 600;
  padding: 3px 9px; border-radius: 20px;
}
.bm-product__tag--blue { background: #e3edff; color: #1c4fbf; }
.bm-product__icon {
  width: 58px; height: 58px; border-radius: 16px; display: grid; place-items: center;
  font-size: 24px; margin-bottom: 12px;
}
.bm-product__name { font-size: 14px; font-weight: 500; line-height: 1.35; }
.bm-c1 { background: #fde8e9; color: #e8343b; }
.bm-c2 { background: #e7efff; color: #0b5cff; }
.bm-c3 { background: #fde8e9; color: #e8343b; }
.bm-c4 { background: #e7efff; color: #0b5cff; }
.bm-c5 { background: #fde8e9; color: #e8343b; }
.bm-c6 { background: #e7efff; color: #0b5cff; }
.bm-c7 { background: #fde8e9; color: #e8343b; }
.bm-c8 { background: #e7efff; color: #0b5cff; }

.bm-more { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 22px; }
.bm-chip {
  background: #fff; border: 1px solid var(--bm-line); border-radius: 10px; padding: 8px 14px;
  text-decoration: none; color: var(--bm-ink); font-size: 14px; box-shadow: 0 2px 8px rgba(17, 38, 80, .04);
  transition: border-color .15s, color .15s;
}
.bm-chip:hover { border-color: var(--bm-red); color: var(--bm-red); }
.bm-chip small { display: block; font-size: 11px; }
.bm-chip small::before { content: "• "; }
.bm-dot-g { color: #e8343b; }
.bm-dot-b { color: var(--bm-blue); }

/* ---------- promos ---------- */
.bm-promos { padding: 28px 0; }
.bm-promos__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.bm-promo {
  border-radius: 18px; padding: 28px 30px; color: #fff; min-height: 180px; overflow: hidden;
  display: flex; flex-direction: column; justify-content: center; align-items: flex-start;
}
.bm-promo::after {
  content: ""; position: absolute; right: -40px; bottom: -60px; width: 220px; height: 220px;
  border-radius: 50%; background: rgba(255, 255, 255, .1);
}
.bm-promo { position: relative; }
.bm-promo--red { background: linear-gradient(120deg, #e8343b, #ff6a5c); }
.bm-promo--navy { background: linear-gradient(120deg, #0a3d91, #0b5cff); }
.bm-promo__eyebrow { font-size: 13px; opacity: .9; margin-bottom: 8px; }
.bm-promo h3 { color: #fff; font-size: 22px; font-weight: 400; line-height: 1.35; margin: 0 0 18px; }
.bm-promo h3 strong { font-weight: 700; }

/* ---------- why / stats ---------- */
.bm-why { background: var(--bm-bg); padding: 56px 0; }
.bm-why__grid { display: grid; grid-template-columns: 1.3fr repeat(4, 1fr); gap: 18px; align-items: stretch; }
.bm-why__intro h2 { font-size: clamp(24px, 2.6vw, 30px); font-weight: 400; line-height: 1.3; margin: 0 0 12px; }
.bm-why__intro h2 strong { font-weight: 700; }
.bm-why__intro p { color: var(--bm-muted); font-size: 15px; margin: 0; }
.bm-stat { background: #fff; border-radius: var(--bm-radius); padding: 22px 18px; border-left: 4px solid; box-shadow: 0 2px 10px rgba(17, 38, 80, .05); }
.bm-stat i { font-size: 22px; margin-bottom: 12px; display: block; }
.bm-stat h3 { font-size: 20px; font-weight: 700; margin: 0 0 6px; }
.bm-stat p { font-size: 13.5px; color: var(--bm-muted); margin: 0; line-height: 1.5; }
.bm-stat--1 { border-color: #0b5cff; } .bm-stat--1 i, .bm-stat--1 h3 { color: #0b5cff; }
.bm-stat--2 { border-color: #e8343b; } .bm-stat--2 i, .bm-stat--2 h3 { color: #e8343b; }
.bm-stat--3 { border-color: #0b5cff; } .bm-stat--3 i, .bm-stat--3 h3 { color: #0b5cff; }
.bm-stat--4 { border-color: #e8343b; } .bm-stat--4 i, .bm-stat--4 h3 { color: #e8343b; }

/* ---------- quote form ---------- */
.bm-quote { padding: 64px 0; }
.bm-quote__card {
  display: grid; grid-template-columns: 1.1fr 1fr; gap: 40px; align-items: center;
  background: #fff; border: 1px solid var(--bm-line); border-radius: 22px; padding: 40px; box-shadow: var(--bm-shadow);
}
.bm-quote__text h2 { font-size: clamp(24px, 3vw, 32px); font-weight: 700; margin: 0 0 12px; }
.bm-quote__text p { color: var(--bm-muted); margin: 0 0 18px; }
.bm-ticks { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.bm-ticks i { color: #fff; background: var(--bm-green); border-radius: 50%; width: 20px; height: 20px; display: inline-grid; place-items: center; font-size: 10px; margin-right: 8px; }
.bm-form { background: var(--bm-bg); border-radius: 16px; padding: 26px; }
.bm-field { margin-bottom: 14px; }
.bm-field label { display: block; font-size: 13px; font-weight: 600; margin-bottom: 6px; color: var(--bm-ink); }
.bm-field input, .bm-field select {
  width: 100%; height: 50px; border: 1px solid #cfd8e8; border-radius: 10px; padding: 0 14px;
  font-family: var(--bm-font); font-size: 15px; color: var(--bm-ink); background: #fff; outline: none;
  transition: border-color .15s, box-shadow .15s;
}
.bm-field input:focus, .bm-field select:focus { border-color: var(--bm-blue); box-shadow: 0 0 0 3px rgba(11, 92, 255, .12); }
.bm-form__note { text-align: center; font-size: 12.5px; color: var(--bm-muted); margin: 12px 0 0; }

/* ---------- steps ---------- */
.bm-steps { padding: 20px 0 64px; }
.bm-steps__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.bm-step { background: #fff; border: 1px solid var(--bm-line); border-radius: var(--bm-radius); padding: 28px; transition: box-shadow .18s; }
.bm-step:hover { box-shadow: var(--bm-shadow); }
.bm-step__icon { width: 52px; height: 52px; border-radius: 14px; background: #fde8e9; color: var(--bm-red); display: grid; place-items: center; font-size: 22px; margin-bottom: 16px; }
.bm-step h4 { font-size: 18px; font-weight: 600; margin: 0 0 8px; }
.bm-step p { color: var(--bm-muted); margin: 0; font-size: 14.5px; }

/* ---------- partners ---------- */
.bm-partners { background: var(--bm-bg); padding: 56px 0; }
.bm-partners__grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; }
.bm-logo { background: #fff; border-radius: 12px; height: 84px; display: grid; place-items: center; padding: 12px; border: 1px solid var(--bm-line); }
.bm-logo img { max-height: 52px; max-width: 100%; width: auto; object-fit: contain; filter: grayscale(.15); }

/* ---------- faq ---------- */
.bm-faq { padding: 64px 0; }
.bm-faq__list { max-width: 820px; margin: 0 auto; display: grid; gap: 12px; }
.bm-faq details { border: 1px solid var(--bm-line); border-radius: 12px; padding: 0 20px; background: #fff; }
.bm-faq details[open] { box-shadow: var(--bm-shadow); }
.bm-faq summary { list-style: none; cursor: pointer; padding: 18px 28px 18px 0; font-weight: 600; position: relative; }
.bm-faq summary::-webkit-details-marker { display: none; }
.bm-faq summary::after { content: "+"; position: absolute; right: 0; top: 50%; transform: translateY(-50%); font-size: 22px; color: var(--bm-red); font-weight: 400; }
.bm-faq details[open] summary::after { content: "–"; }
.bm-faq details p { color: var(--bm-muted); margin: 0 0 18px; }
.bm-faq details a { color: var(--bm-red); }

/* ---------- contact strip ---------- */
.bm-contact { padding: 0 0 56px; }
.bm-contact__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; background: var(--bm-navy); border-radius: 18px; padding: 26px; }
.bm-contact__item { display: flex; align-items: center; gap: 14px; color: #fff; }
.bm-contact__item > i { width: 44px; height: 44px; flex: none; border-radius: 12px; background: rgba(255, 255, 255, .1); display: grid; place-items: center; font-size: 18px; }
.bm-contact__item small { display: block; font-size: 12px; color: #9fb0d0; }
.bm-contact__item a, .bm-contact__item span { color: #fff; text-decoration: none; font-weight: 500; font-size: 14.5px; }

/* ---------- responsive ---------- */
@media (max-width: 1199px) {
  .bm-products { grid-template-columns: repeat(4, 1fr); row-gap: 22px; }
  .bm-why__grid { grid-template-columns: repeat(2, 1fr); }
  .bm-why__intro { grid-column: 1 / -1; }
  .bm-contact__grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 767px) {
  .bm-hero { padding-top: 24px; }
  .bm-hero__call { display: none; }
  .bm-products { grid-template-columns: repeat(3, 1fr); gap: 10px; row-gap: 20px; }
  .bm-product { padding: 26px 4px 12px; }
  .bm-product__icon { width: 48px; height: 48px; font-size: 20px; border-radius: 13px; }
  .bm-product__name { font-size: 12.5px; }
  .bm-product__tag { font-size: 9px; padding: 2px 6px; }
  .bm-promos__grid, .bm-quote__card, .bm-steps__grid { grid-template-columns: 1fr; }
  .bm-quote__card { padding: 22px; gap: 22px; }
  .bm-partners__grid { grid-template-columns: repeat(3, 1fr); }
  .bm-contact__grid { grid-template-columns: 1fr; }
}
@media (max-width: 420px) {
  .bm-why__grid { grid-template-columns: 1fr; }
  .bm-partners__grid { grid-template-columns: repeat(2, 1fr); }
}


/* =========== v4: inner pages =========== */
.bm-pagehead { padding: 40px 0 30px; background: linear-gradient(180deg, #f4f7fc 0%, #fff 100%); text-align: center; }
.bm-crumb { font-size: 13px; color: var(--bm-muted); margin-bottom: 14px; }
.bm-crumb a { color: var(--bm-blue); text-decoration: none; }
.bm-crumb i { font-size: 10px; margin: 0 6px; }
.bm-pagehead__title { font-size: clamp(26px, 4vw, 40px); font-weight: 700; margin: 0 0 10px; }
.bm-pagehead__title span { color: var(--bm-red); }
.bm-pagehead__sub { color: var(--bm-muted); max-width: 640px; margin: 0 auto; font-size: 16px; }

.bm-lead { padding: 10px 0 56px; }
.bm-lead__card { display: grid; grid-template-columns: 1fr 1fr; border-radius: 22px; overflow: hidden; box-shadow: var(--bm-shadow); border: 1px solid var(--bm-line); background: #fff; }
.bm-lead__aside { background: linear-gradient(150deg, #0a3d91 0%, #0b5cff 100%); color: #fff; padding: 40px; position: relative; overflow: hidden; display: flex; flex-direction: column; }
.bm-lead__aside::after { content: ""; position: absolute; right: -80px; top: -80px; width: 240px; height: 240px; border-radius: 50%; background: rgba(255, 255, 255, .08); }
.bm-lead__aside h3 { color: #fff; font-size: 22px; font-weight: 600; margin: 0 0 18px; }
.bm-lead__perks { list-style: none; padding: 0; margin: 0 0 24px; display: grid; gap: 14px; }
.bm-lead__perks li { display: flex; align-items: center; gap: 12px; font-size: 15px; }
.bm-lead__perks i { width: 34px; height: 34px; flex: none; border-radius: 10px; background: rgba(255, 255, 255, .14); display: grid; place-items: center; font-size: 14px; }
.bm-lead__img { margin-top: auto; max-width: 100%; max-height: 260px; object-fit: contain; align-self: center; background: #fff; border-radius: 16px; padding: 12px; }
.bm-lead__form { border-radius: 0; background: #fff; padding: 40px; }
.bm-lead__formtitle { font-size: 22px; font-weight: 700; margin: 0 0 4px; }
.bm-lead__formsub { color: var(--bm-muted); margin: 0 0 20px; font-size: 14px; }
.bm-steps--compact { background: var(--bm-bg); padding: 56px 0; margin-bottom: 56px; }
.bm-step__num { width: 40px; height: 40px; border-radius: 50%; background: var(--bm-red); color: #fff; display: grid; place-items: center; font-weight: 700; margin-bottom: 14px; }
.bm-inner .bm-contact { padding-bottom: 56px; }

/* generic form polish (EMI form & other template pages) */
.form-control, .form-select { border-radius: 10px !important; border: 1px solid #cfd8e8 !important; min-height: 46px; font-family: var(--bm-font); }
.form-control:focus, .form-select:focus { border-color: var(--bm-blue) !important; box-shadow: 0 0 0 3px rgba(11, 92, 255, .12) !important; }
.btn-primary { background: var(--bm-red) !important; border-color: var(--bm-red) !important; border-radius: 10px !important; font-weight: 600; padding: 10px 24px; }
.btn-primary:hover { background: var(--bm-red-dark) !important; }
.card { border-radius: 16px; border-color: var(--bm-line); box-shadow: var(--bm-shadow); }

/* footer polish */
.site-footer-three .footer-widget__title, .site-footer-three h3, .site-footer-three h4 { color: #fff !important; font-family: var(--bm-font); }
.site-footer-three .site-footer-three__bottom, .site-footer-three [class*="bottom"] { border-top: 1px solid rgba(255, 255, 255, .12); background: #08327a !important; }
.scroll-to-top { background: var(--bm-red) !important; }

@media (max-width: 991px) {
  .bm-lead__card { grid-template-columns: 1fr; }
  .bm-lead__form { order: -1; padding: 26px; }
  .bm-lead__aside { padding: 28px; }
}


/* =========== v6: Policybazaar-style sections =========== */
/* banner carousel */
.bm-banner { padding: 22px 0 0; background: #f7f9fe; }
.bm-banner__track { display: flex; overflow-x: auto; scroll-snap-type: x mandatory; scrollbar-width: none; border-radius: 22px; }
.bm-banner__track::-webkit-scrollbar { display: none; }
.bm-slide { flex: 0 0 100%; scroll-snap-align: start; min-height: 300px; display: grid; grid-template-columns: 1.4fr 1fr; align-items: center; padding: 34px 48px; color: #fff; position: relative; overflow: hidden; }
.bm-slide--red { background: linear-gradient(115deg, #c6252c 0%, #e8343b 55%, #ff6a5c 100%); }
.bm-slide--blue { background: linear-gradient(115deg, #0a3d91 0%, #0b5cff 100%); }
.bm-slide--navy { background: linear-gradient(115deg, #0a3d91 0%, #0b5cff 60%, #e8343b 140%); }
.bm-slide__pill { display: inline-block; background: rgba(255,255,255,.18); border: 1px solid rgba(255,255,255,.35); border-radius: 30px; padding: 4px 14px; font-size: 13px; font-weight: 500; margin-bottom: 14px; }
.bm-slide h2 { color: #fff; font-size: clamp(24px, 3.4vw, 40px); font-weight: 500; line-height: 1.2; margin: 0 0 10px; }
.bm-slide h2 strong { font-weight: 800; }
.bm-slide__offer { display: inline-block; background: #fff; color: var(--bm-red); font-weight: 600; border-radius: 8px; padding: 6px 12px; margin: 0 0 18px; font-size: 14px; }
.bm-slide--blue .bm-slide__offer, .bm-slide--navy .bm-slide__offer { color: var(--bm-blue); }
.bm-slide small { display: block; margin-top: 14px; font-size: 11px; opacity: .75; }
.bm-slide .bm-btn--white { padding: 13px 26px; font-size: 16px; box-shadow: 0 8px 20px rgba(0,0,0,.15); }
.bm-slide__art { display: grid; place-items: center; }
.bm-slide__art span { width: 220px; height: 220px; border-radius: 50%; background: rgba(255,255,255,.14); box-shadow: 0 0 0 26px rgba(255,255,255,.07), 0 0 0 56px rgba(255,255,255,.04); display: grid; place-items: center; font-size: 96px; color: #fff; }
.bm-banner__dots { display: flex; justify-content: center; gap: 8px; margin-top: 14px; }
.bm-banner__dots button { width: 9px; height: 9px; border-radius: 9px; border: 0; padding: 0; background: #cfd8e8; transition: width .2s, background .2s; }
.bm-banner__dots button.is-active { width: 26px; background: var(--bm-blue); }
.bm-hero { padding-top: 26px; }
.bm-hero__head { flex-direction: column; align-items: center; text-align: center; }
.bm-hero__trust { justify-content: center; }
.bm-hero__call { display: none; }

/* help cards */
.bm-help { padding: 40px 0 0; }
.bm-help__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.bm-helpcard { display: flex; align-items: center; gap: 16px; background: #fff; border: 1px solid var(--bm-line); border-radius: 16px; padding: 18px 20px; text-decoration: none; color: var(--bm-ink); transition: box-shadow .18s, transform .18s; }
.bm-helpcard:hover { box-shadow: var(--bm-shadow); transform: translateY(-2px); color: var(--bm-ink); }
.bm-helpcard__icon { width: 52px; height: 52px; flex: none; border-radius: 14px; display: grid; place-items: center; font-size: 22px; }
.bm-helpcard h4 { font-size: 16px; font-weight: 600; margin: 0 0 2px; }
.bm-helpcard p { font-size: 13px; color: var(--bm-muted); margin: 0; }
.bm-helpcard__go { margin-left: auto; color: var(--bm-blue); }

/* calculator */
.bm-calc { padding: 56px 0 0; }
.bm-calc__card { display: grid; grid-template-columns: 220px 1.3fr 1fr; border: 1px solid var(--bm-line); border-radius: 20px; overflow: hidden; background: #fff; box-shadow: 0 2px 10px rgba(17,38,80,.05); }
.bm-calc__head { padding: 28px; display: flex; flex-direction: column; justify-content: space-between; }
.bm-calc__head--blue { background: #e7efff; }
.bm-calc__head h3 { font-size: 22px; font-weight: 600; margin: 0; color: var(--bm-ink); }
.bm-calc__head i { font-size: 54px; color: var(--bm-blue); opacity: .85; margin-top: 20px; }
.bm-calc__body { padding: 28px; display: grid; gap: 20px; }
.bm-calc__row label { display: flex; justify-content: space-between; font-size: 14px; color: var(--bm-muted); margin-bottom: 8px; }
.bm-calc__row label b { color: var(--bm-ink); font-weight: 700; }
.bm-calc__row input[type=range] { -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 6px; background: linear-gradient(90deg, var(--bm-blue) var(--p, 50%), #e3e8f0 var(--p, 50%)); outline: none; }
.bm-calc__row input[type=range]::-webkit-slider-thumb { -webkit-appearance: none; width: 20px; height: 20px; border-radius: 50%; background: #fff; border: 4px solid var(--bm-blue); cursor: pointer; }
.bm-calc__row input[type=range]::-moz-range-thumb { width: 14px; height: 14px; border-radius: 50%; background: #fff; border: 4px solid var(--bm-blue); cursor: pointer; }
.bm-calc__result { background: var(--bm-bg); padding: 28px; display: flex; flex-direction: column; justify-content: center; }
.bm-calc__result small { color: var(--bm-muted); }
.bm-calc__result strong { font-size: 34px; font-weight: 800; color: var(--bm-red); margin: 2px 0 12px; }
.bm-calc__split { display: grid; gap: 6px; font-size: 13.5px; color: var(--bm-muted); margin-bottom: 18px; }
.bm-calc__split span { display: flex; justify-content: space-between; }
.bm-calc__split b { color: var(--bm-ink); }

/* advantage list */
.bm-adv { padding: 20px 0 64px; }
.bm-underline::after { content: ""; display: block; width: 70px; height: 4px; border-radius: 4px; margin: 10px auto 0; background: linear-gradient(90deg, var(--bm-blue) 60%, var(--bm-red) 60%); }
.bm-adv__intro { max-width: 820px; margin: 18px auto 28px; text-align: center; color: var(--bm-muted); font-size: 15.5px; line-height: 1.7; }
.bm-adv__list { max-width: 900px; margin: 0 auto; display: grid; gap: 14px; }
.bm-adv__row { display: flex; align-items: center; gap: 20px; border: 1px solid var(--bm-line); border-radius: 12px; padding: 18px 24px; background: #fff; transition: box-shadow .18s, border-color .18s; }
.bm-adv__row:hover { box-shadow: var(--bm-shadow); border-color: #cfd8e8; }
.bm-adv__row > span { width: 54px; height: 54px; flex: none; border-radius: 14px; display: grid; place-items: center; font-size: 22px; }
.bm-adv__row h4 { font-size: 17px; font-weight: 500; margin: 0; }
.bm-adv__row p { font-size: 13.5px; color: var(--bm-muted); margin: 2px 0 0; }

/* new footer */
.site-footer-three { display: none !important; }
.bm-footer { background: #0a1f4d; color: #c3cde3; padding: 56px 0 24px; font-family: var(--bm-font); }
.bm-footer a { color: #c3cde3; text-decoration: none; }
.bm-footer a:hover { color: #fff; }
.bm-footer__top { display: grid; grid-template-columns: 1.5fr repeat(4, 1fr); gap: 30px; padding-bottom: 34px; border-bottom: 1px solid rgba(255,255,255,.1); }
.bm-footer__logo img { background: #fff; padding: 8px 14px; border-radius: 12px; height: auto; }
.bm-footer__brand p { font-size: 14px; line-height: 1.6; margin: 16px 0 18px; color: #c3cde3; }
.bm-footer__social { display: flex; gap: 10px; }
.bm-footer__social a { width: 38px; height: 38px; border-radius: 50%; background: rgba(255,255,255,.08); display: grid; place-items: center; transition: background .15s; }
.bm-footer__social a:hover { background: var(--bm-red); color: #fff; }
.bm-footer__col { display: flex; flex-direction: column; gap: 10px; font-size: 14px; }
.bm-footer__col h5 { color: #fff; font-size: 16px; font-weight: 600; margin: 0 0 6px; font-family: var(--bm-font); }
.bm-footer__col i { width: 18px; color: #7fa6ff; }
.bm-footer__links { display: flex; flex-wrap: wrap; align-items: center; gap: 10px; padding: 20px 0; font-size: 14px; border-bottom: 1px solid rgba(255,255,255,.1); }
.bm-footer__links strong { color: #fff; margin-right: 6px; }
.bm-footer__links span { opacity: .4; }
.bm-footer__legal { padding: 20px 0 6px; font-size: 12.5px; line-height: 1.7; text-align: center; }
.bm-footer__legal p { margin: 0 0 10px; color: #a9b6d3; }
.bm-footer__legal strong { color: #fff; }
.bm-footer__copy { text-align: center; font-size: 13px; color: #fff; padding-top: 14px; border-top: 1px solid rgba(255,255,255,.1); margin-top: 10px; }

@media (max-width: 991px) {
  .bm-slide { grid-template-columns: 1fr; padding: 28px; min-height: 260px; }
  .bm-slide__art { display: none; }
  .bm-calc__card { grid-template-columns: 1fr; }
  .bm-calc__head { flex-direction: row; align-items: center; }
  .bm-calc__head i { margin: 0; font-size: 36px; }
  .bm-footer__top { grid-template-columns: 1fr 1fr; }
  .bm-footer__brand { grid-column: 1 / -1; }
}
@media (max-width: 767px) {
  .bm-help__grid { grid-template-columns: 1fr; }
  .bm-banner .container { padding: 0 12px; }
}
@media (max-width: 480px) {
  .bm-footer__top { grid-template-columns: 1fr; }
}

/* =========== v7: partner-quote pages + fixes =========== */
.height100 { margin-top: 0 !important; }
.height100 > p:first-child { margin: 0 !important; padding: 10px 16px; background: #e7efff; text-align: center; font-size: 14px; color: var(--bm-ink); border-bottom: 1px solid var(--bm-line); }
.height100 > p:first-child a { color: var(--bm-blue) !important; font-weight: 600; text-decoration: underline; }
.height100 iframe { display: block; }
.bm-slide__offer { display: table; }
.bm-helpcard p, .bm-adv__row p, .bm-stat p { line-height: 1.5; }


/* =========== v8: new pages + CMS =========== */
.bm-notice { background: var(--bm-red); color: #fff; text-align: center; font-size: 14px; padding: 8px 16px; font-family: var(--bm-font); }
.bm-notice a { color: #fff; text-decoration: underline; font-weight: 600; }
.bm-center { text-align: center; margin-top: 24px; }
.bm-btn--ghost { border-color: rgba(255,255,255,.6); color: #fff; background: transparent; }
.bm-btn--ghost:hover { background: rgba(255,255,255,.12); color: #fff; }

/* CTA band */
.bm-cta { padding: 0 0 56px; }
.bm-cta__box { display: flex; align-items: center; justify-content: space-between; gap: 20px; flex-wrap: wrap; background: linear-gradient(115deg, #c6252c, #e8343b 50%, #0b5cff 140%); color: #fff; border-radius: 20px; padding: 30px 36px; }
.bm-cta__box h3 { color: #fff; font-size: 24px; font-weight: 700; margin: 0 0 4px; }
.bm-cta__box p { margin: 0; opacity: .9; }
.bm-cta__btns { display: flex; gap: 12px; flex-wrap: wrap; }

/* about */
.bm-split { padding: 24px 0 56px; }
.bm-split__grid { display: grid; grid-template-columns: 1.2fr 1fr; gap: 48px; align-items: center; }
.bm-h2 { font-size: clamp(24px, 3vw, 32px); font-weight: 700; margin: 0 0 14px; line-height: 1.25; }
.bm-split p { color: var(--bm-muted); font-size: 15.5px; line-height: 1.7; }
.bm-split__btns { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 20px; }
.bm-statgrid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.bm-statbox { border-radius: 18px; padding: 28px 22px; display: flex; flex-direction: column; gap: 4px; }
.bm-statbox strong { font-size: 34px; font-weight: 800; line-height: 1.1; }
.bm-statbox span { color: var(--bm-muted); font-size: 14px; }
.bm-statbox--red { background: #fde8e9; } .bm-statbox--red strong { color: var(--bm-red); }
.bm-statbox--blue { background: #e7efff; } .bm-statbox--blue strong { color: var(--bm-blue); }
.bm-values { background: var(--bm-bg); padding: 56px 0; }
.bm-values__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin-top: 32px; }
.bm-value { background: #fff; border: 1px solid var(--bm-line); border-radius: 16px; padding: 24px; }
.bm-value > span { width: 50px; height: 50px; border-radius: 14px; display: grid; place-items: center; font-size: 20px; margin-bottom: 14px; }
.bm-value h4 { font-size: 17px; font-weight: 600; margin: 0 0 6px; }
.bm-value p { color: var(--bm-muted); font-size: 14px; margin: 0; line-height: 1.6; }

/* contact */
.bm-lead__perks--links a, .bm-lead__perks--links span { color: #fff; text-decoration: none; }
.bm-lead__perks--links a:hover { text-decoration: underline; }
.bm-lead__social { display: flex; gap: 10px; margin-top: auto; padding-top: 10px; }
.bm-lead__social a { width: 40px; height: 40px; border-radius: 50%; background: rgba(255,255,255,.14); color: #fff; display: grid; place-items: center; }
.bm-lead__social a:hover { background: #fff; color: var(--bm-blue); }
.bm-waform select, .bm-waform textarea { width: 100%; border: 1px solid #cfd8e8; border-radius: 10px; padding: 12px 14px; font-family: var(--bm-font); font-size: 15px; background: #fff; }
.bm-waform select { height: 50px; }
.bm-map { padding: 0 0 56px; }
.bm-map__box { border-radius: 20px; overflow: hidden; border: 1px solid var(--bm-line); height: 380px; }
.bm-map__box iframe { width: 100%; height: 100%; border: 0; display: block; }

/* claims */
.bm-claimtabs { padding: 10px 0 40px; }
.bm-tabs { display: flex; justify-content: center; gap: 10px; flex-wrap: wrap; margin-bottom: 26px; }
.bm-tabs button { border: 1.5px solid var(--bm-line); background: #fff; border-radius: 30px; padding: 10px 22px; font-family: var(--bm-font); font-weight: 600; font-size: 15px; color: var(--bm-ink); cursor: pointer; }
.bm-tabs button i { color: var(--bm-red); margin-right: 6px; }
.bm-tabs button.is-active { background: var(--bm-blue); border-color: var(--bm-blue); color: #fff; }
.bm-tabs button.is-active i { color: #fff; }
.bm-tabpane { display: none; grid-template-columns: 1.5fr 1fr; gap: 24px; }
.bm-tabpane.is-active { display: grid; }
.bm-timeline { display: grid; gap: 14px; }
.bm-tl { display: flex; gap: 16px; background: #fff; border: 1px solid var(--bm-line); border-radius: 14px; padding: 18px 20px; }
.bm-tl > span { width: 36px; height: 36px; flex: none; border-radius: 50%; background: var(--bm-red); color: #fff; display: grid; place-items: center; font-weight: 700; }
.bm-tl h4 { font-size: 16px; font-weight: 600; margin: 0 0 4px; }
.bm-tl p { color: var(--bm-muted); font-size: 14px; margin: 0; line-height: 1.6; }
.bm-docs { background: #e7efff; border-radius: 16px; padding: 22px 24px; align-self: start; }
.bm-docs h4 { font-size: 16px; font-weight: 600; margin: 0 0 12px; color: var(--bm-navy); }
.bm-docs h4 i { color: var(--bm-blue); margin-right: 6px; }
.bm-docs ul { margin: 0; padding-left: 18px; color: var(--bm-ink); font-size: 14.5px; line-height: 1.9; }
.bm-note { color: var(--bm-muted); font-size: 13px; margin: 18px 0 0; text-align: center; }
.bm-note i { color: var(--bm-blue); }

/* renewal / calculators / faq */
.bm-hero--plain { background: #fff; padding-top: 30px; }
.bm-products--6 { grid-template-columns: repeat(6, 1fr); }
.bm-calc__head--red { background: #fde8e9; }
.bm-calc__head--red i { color: var(--bm-red); }
.bm-calc__card--gap { margin-top: 28px; }
.bm-inner .bm-calc { padding-top: 10px; padding-bottom: 56px; }
.bm-faq--page { padding-top: 10px; }
.bm-faqnav { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin-bottom: 30px; }
.bm-faqnav a { border: 1px solid var(--bm-line); border-radius: 30px; padding: 8px 16px; text-decoration: none; color: var(--bm-ink); font-size: 14px; background: #fff; }
.bm-faqnav a:hover { border-color: var(--bm-blue); color: var(--bm-blue); }
.bm-faqcat { max-width: 820px; margin: 0 auto 32px; scroll-margin-top: 90px; }
.bm-faqcat h3 { font-size: 20px; font-weight: 700; margin: 0 0 14px; color: var(--bm-navy); }

@media (max-width: 991px) {
  .bm-split__grid, .bm-tabpane.is-active { grid-template-columns: 1fr; }
  .bm-values__grid { grid-template-columns: 1fr 1fr; }
  .bm-products--6 { grid-template-columns: repeat(3, 1fr); row-gap: 22px; }
}
@media (max-width: 560px) {
  .bm-values__grid { grid-template-columns: 1fr; }
  .bm-cta__box { padding: 24px; }
  .bm-map__box { height: 300px; }
}

/* =========== v9: one-line header + hide partner header in quote iframes =========== */
.main-menu-five__wrapper-inner { flex-wrap: nowrap !important; }
.main-menu-five__left { flex: 1 1 auto; min-width: 0; }
.main-menu-five__right { flex: 0 0 auto; }
@media (min-width: 1200px) {
  .main-menu .main-menu__list > li + li, .stricky-header .main-menu__list > li + li { margin-left: 30px !important; }
  .main-menu .main-menu__list, .stricky-header .main-menu__list { flex-wrap: nowrap !important; white-space: nowrap; }
}
@media (min-width: 1200px) and (max-width: 1399px) {
  .main-menu .main-menu__list > li + li, .stricky-header .main-menu__list > li + li { margin-left: 20px !important; }
  .main-menu .main-menu__list > li > a, .stricky-header .main-menu__list > li > a { font-size: 14.5px !important; }
}
/* Crop the partner's own site header out of the embedded quote pages */
.height100, div:has(> iframe[src*="squareinsurance"]) { overflow: hidden; }
iframe[src*="squareinsurance"]:not([src*="health-insurance"]) { display: block; width: 100%; border: 0; margin-top: -62px; height: calc(100vh + 62px) !important; }
@media (min-width: 992px) {
  iframe[src*="squareinsurance"]:not([src*="health-insurance"]) { margin-top: -84px; height: calc(100vh + 84px) !important; }
}
.height100 > p:first-child { position: relative; z-index: 2; }


/* =========== v11: banner images (CMS) =========== */
.bm-slide__art img { max-width: 100%; max-height: 270px; object-fit: contain; filter: drop-shadow(0 18px 30px rgba(0,0,0,.22)); }
.bm-slide--hasbg { background-size: cover; background-position: center; background-repeat: no-repeat; }
.bm-slide--hasbg::before { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(10,31,77,.82) 0%, rgba(10,31,77,.55) 45%, rgba(10,31,77,0) 80%); }
.bm-slide--red.bm-slide--hasbg::before { background: linear-gradient(90deg, rgba(198,37,44,.88) 0%, rgba(198,37,44,.55) 45%, rgba(198,37,44,0) 80%); }
.bm-slide > * { position: relative; z-index: 1; }
@media (max-width: 991px) {
  .bm-slide--hasbg::before { background: rgba(10,31,77,.6); }
  .bm-slide--red.bm-slide--hasbg::before { background: rgba(198,37,44,.65); }
}


/* =========== v12: Premium on EMI =========== */
.bm-emi-steps { padding: 0 0 26px; }
.bm-emi-steps__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.bm-emi-steps__grid > div { display: flex; gap: 12px; align-items: center; background: #fff; border: 1px solid var(--bm-line); border-radius: 14px; padding: 14px 16px; }
.bm-emi-steps__grid span { width: 34px; height: 34px; flex: none; border-radius: 50%; background: var(--bm-blue); color: #fff; display: grid; place-items: center; font-weight: 700; }
.bm-emi-steps__grid p { margin: 0; font-size: 14px; color: var(--bm-ink); line-height: 1.45; }
.bm-emi-docs { margin-top: auto; background: rgba(255,255,255,.12); border-radius: 14px; padding: 16px 18px; }
.bm-emi-docs h4 { color: #fff; font-size: 15px; margin: 0 0 8px; }
.bm-emi-docs ul { margin: 0; padding-left: 18px; font-size: 14px; line-height: 1.8; }
.bm-grid2 { display: grid; grid-template-columns: 1fr 1fr; gap: 0 14px; }
.bm-field label small { font-weight: 400; color: var(--bm-muted); }
.bm-field select { width: 100%; height: 50px; border: 1px solid #cfd8e8; border-radius: 10px; padding: 0 14px; font-family: var(--bm-font); font-size: 15px; background: #fff; }
.bm-field input[type=file] { height: auto; padding: 10px; background: #fff; font-size: 13px; }
.bm-upper { text-transform: uppercase; }
.bm-hp { position: absolute !important; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.bm-emi-result { max-width: 640px; margin: 18px auto 0; border-radius: 16px; padding: 22px 26px; text-align: left; font-size: 15.5px; }
.bm-emi-result.is-ok { background: #e7efff; } .bm-emi-result.is-err { background: #fde8e9; }
.bm-emi-result ul { margin: 0 0 14px; padding-left: 20px; } .bm-emi-result .bm-btn { margin: 6px 6px 0 0; }
.bm-emiband { padding: 0 0 36px; }
.bm-emiband__box { display: flex; align-items: center; gap: 18px; background: linear-gradient(100deg, #fff4f4, #eef4ff); border: 1px solid var(--bm-line); border-radius: 18px; padding: 20px 24px; text-decoration: none; color: var(--bm-ink); transition: box-shadow .18s, transform .18s; }
.bm-emiband__box:hover { box-shadow: var(--bm-shadow); transform: translateY(-2px); color: var(--bm-ink); }
.bm-emiband__box--inline { margin-top: 28px; }
.bm-emiband__icon { width: 54px; height: 54px; flex: none; border-radius: 14px; background: var(--bm-red); color: #fff; display: grid; place-items: center; font-size: 22px; }
.bm-emiband__box h4 { font-size: 18px; font-weight: 700; margin: 0 0 2px; }
.bm-emiband__box p { margin: 0; color: var(--bm-muted); font-size: 14px; }
.bm-emiband__box .bm-btn { margin-left: auto; white-space: nowrap; }
@media (max-width: 767px) {
  .bm-emi-steps__grid, .bm-grid2 { grid-template-columns: 1fr; }
  .bm-emiband__box { flex-wrap: wrap; } .bm-emiband__box .bm-btn { margin-left: 0; width: 100%; }
}

.bm-req { color: var(--bm-red); }