/* ===========================================================================
   KanadaFinans / Ege Insurance — shared page design system
   Loaded on every content page (home, services, blog, core). Scoped to .kf.
   =========================================================================== */
.kf, .kf *, .kf *::before, .kf *::after { box-sizing: border-box; }
.kf { --blue:#077DEC; --bdk:#0568cc; --dark:#0b1d35; --off:#f4f8fc; --border:#dae6f0; --muted:#5b6b7d;
  font-family:'Poppins',sans-serif; -webkit-font-smoothing:antialiased; color:var(--dark); }
.kf a { text-decoration:none; }
.kf img { max-width:100%; height:auto; }
.kf-wrap { max-width:1180px; margin:0 auto; padding:0 24px; }
.kf-narrow { max-width:820px; margin:0 auto; padding:0 24px; }

/* Buttons */
.kf-btn { display:inline-flex; align-items:center; gap:9px; font-size:15px; font-weight:700; padding:15px 30px; border-radius:11px; transition:all 0.18s; cursor:pointer; border:none; }
.kf-btn-p { background:var(--blue); color:#fff !important; box-shadow:0 6px 24px rgba(7,125,236,0.45); }
.kf-btn-p:hover { background:var(--bdk); transform:translateY(-2px); }
.kf-btn-o { background:rgba(255,255,255,0.1); color:#fff !important; border:1px solid rgba(255,255,255,0.25); }
.kf-btn-o:hover { background:rgba(255,255,255,0.18); }
.kf-btn svg { width:16px; height:16px; stroke:currentColor; fill:none; stroke-width:2.4; stroke-linecap:round; stroke-linejoin:round; }

/* HERO */
.kf-hero { position:relative; background:linear-gradient(135deg,#0b1d35 0%,#0a2a52 55%,#077DEC 140%); color:#fff; overflow:hidden; }
.kf-hero::after { content:''; position:absolute; inset:0; background:radial-gradient(circle at 80% 20%,rgba(7,125,236,0.35),transparent 45%); pointer-events:none; }
.kf-hero-in { position:relative; z-index:1; max-width:1180px; margin:0 auto; padding:80px 24px 90px; }
.kf-eyebrow { display:inline-flex; align-items:center; gap:8px; font-size:12.5px; font-weight:600; letter-spacing:0.08em; text-transform:uppercase; color:#8fc4ff; background:rgba(7,125,236,0.15); border:1px solid rgba(7,125,236,0.3); padding:8px 16px; border-radius:30px; margin-bottom:22px; }
.kf-eyebrow .dot { width:6px; height:6px; border-radius:50%; background:#4db8ff; }
.kf-h1 { font-size:clamp(30px,5vw,52px); font-weight:800; line-height:1.1; letter-spacing:-0.02em; margin:0 0 18px; max-width:820px; }
.kf-h1 span { color:#4db8ff; }
.kf-lead { font-size:clamp(15px,2vw,18px); line-height:1.7; color:rgba(255,255,255,0.85); max-width:640px; margin:0 0 32px; }
.kf-btns { display:flex; flex-wrap:wrap; gap:14px; }
.kf-hero-badges { display:flex; flex-wrap:wrap; gap:10px; margin-top:34px; }
.kf-hbadge { display:inline-flex; align-items:center; gap:8px; font-size:13px; font-weight:500; color:rgba(255,255,255,0.9); background:rgba(255,255,255,0.08); border:1px solid rgba(255,255,255,0.14); padding:9px 15px; border-radius:9px; }
.kf-hbadge svg { width:15px; height:15px; stroke:#4db8ff; fill:none; stroke-width:2.2; stroke-linecap:round; stroke-linejoin:round; }

/* Breadcrumb */
.kf-crumb { background:var(--off); border-bottom:1px solid var(--border); }
.kf-crumb-in { max-width:1180px; margin:0 auto; padding:12px 24px; font-size:12.5px; color:var(--muted); }
.kf-crumb-in a { color:var(--muted); } .kf-crumb-in a:hover { color:var(--blue); }
.kf-crumb-in span { color:var(--dark); font-weight:600; }

/* STATS */
.kf-stats { background:#fff; border-bottom:1px solid var(--border); }
.kf-stats-in { display:grid; grid-template-columns:repeat(4,1fr); gap:20px; max-width:1180px; margin:0 auto; padding:34px 24px; }
.kf-stat { text-align:center; }
.kf-stat b { display:block; font-size:28px; font-weight:800; color:var(--blue); letter-spacing:-0.02em; }
.kf-stat span { font-size:13px; font-weight:500; color:var(--muted); }

/* SECTIONS */
.kf-sec { padding:72px 0; }
.kf-sec.alt { background:var(--off); }
.kf-head { text-align:center; max-width:700px; margin:0 auto 48px; }
.kf-kicker { font-size:13px; font-weight:700; letter-spacing:0.12em; text-transform:uppercase; color:var(--blue); margin:0 0 12px; }
.kf-h2 { font-size:clamp(24px,3.4vw,36px); font-weight:800; line-height:1.15; letter-spacing:-0.02em; margin:0 0 16px; }
.kf-sub { font-size:16px; line-height:1.7; color:var(--muted); margin:0; }

/* PROSE (article/service body) */
.kf-prose { font-size:16px; line-height:1.85; color:#33404f; }
.kf-prose h2 { font-size:clamp(22px,3vw,30px); font-weight:800; letter-spacing:-0.01em; margin:44px 0 16px; color:var(--dark); }
.kf-prose h3 { font-size:20px; font-weight:700; margin:32px 0 12px; color:var(--dark); }
.kf-prose p { margin:0 0 18px; }
.kf-prose ul, .kf-prose ol { margin:0 0 20px; padding-left:0; list-style:none; }
.kf-prose ul li { position:relative; padding:6px 0 6px 30px; }
.kf-prose ul li::before { content:''; position:absolute; left:4px; top:14px; width:8px; height:8px; border-radius:50%; background:var(--blue); }
.kf-prose ol { counter-reset:kf; }
.kf-prose ol li { position:relative; padding:6px 0 6px 38px; counter-increment:kf; }
.kf-prose ol li::before { content:counter(kf); position:absolute; left:0; top:6px; width:24px; height:24px; border-radius:7px; background:rgba(7,125,236,0.1); color:var(--blue); font-size:13px; font-weight:700; display:flex; align-items:center; justify-content:center; }
.kf-prose strong { color:var(--dark); font-weight:700; }
.kf-prose a { color:var(--blue); font-weight:600; }
.kf-prose img { border-radius:14px; margin:24px 0; }
.kf-prose blockquote { border-left:4px solid var(--blue); background:var(--off); padding:16px 22px; border-radius:0 12px 12px 0; margin:0 0 22px; color:var(--dark); font-style:italic; }

/* FEATURE / BENEFIT CARDS */
.kf-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:22px; }
.kf-grid-2 { display:grid; grid-template-columns:repeat(2,1fr); gap:22px; }
.kf-card { background:#fff; border:1px solid var(--border); border-radius:16px; padding:28px 26px; transition:all 0.2s; display:flex; flex-direction:column; }
a.kf-card:hover { border-color:var(--blue); box-shadow:0 14px 40px rgba(11,29,53,0.10); transform:translateY(-3px); }
.kf-ico { width:50px; height:50px; border-radius:13px; background:rgba(7,125,236,0.1); display:flex; align-items:center; justify-content:center; margin-bottom:18px; flex-shrink:0; }
.kf-ico svg { width:24px; height:24px; stroke:var(--blue); fill:none; stroke-width:1.9; stroke-linecap:round; stroke-linejoin:round; }
.kf-card h3 { font-size:18px; font-weight:700; margin:0 0 10px; }
.kf-card p { font-size:14px; line-height:1.7; color:var(--muted); margin:0 0 4px; flex:1; }
.kf-more { display:inline-flex; align-items:center; gap:6px; font-size:14px; font-weight:700; color:var(--blue); margin-top:16px; }
.kf-more svg { width:15px; height:15px; stroke:currentColor; fill:none; stroke-width:2.5; stroke-linecap:round; stroke-linejoin:round; transition:transform 0.18s; }
a.kf-card:hover .kf-more svg { transform:translateX(4px); }

/* CHECK LIST */
.kf-checks { display:grid; grid-template-columns:1fr 1fr; gap:14px 28px; margin:8px 0 0; }
.kf-check { display:flex; align-items:flex-start; gap:12px; font-size:15px; line-height:1.6; color:#33404f; }
.kf-check svg { width:22px; height:22px; flex-shrink:0; margin-top:1px; stroke:#fff; fill:none; stroke-width:2.6; stroke-linecap:round; stroke-linejoin:round; background:var(--blue); border-radius:50%; padding:4px; }

/* FAQ */
.kf-faq { max-width:820px; margin:0 auto; }
.kf-faq details { background:#fff; border:1px solid var(--border); border-radius:12px; margin-bottom:12px; overflow:hidden; }
.kf-faq summary { list-style:none; cursor:pointer; padding:20px 24px; font-size:16px; font-weight:600; color:var(--dark); display:flex; justify-content:space-between; align-items:center; gap:16px; }
.kf-faq summary::-webkit-details-marker { display:none; }
.kf-faq summary::after { content:'+'; font-size:22px; font-weight:400; color:var(--blue); flex-shrink:0; transition:transform 0.2s; }
.kf-faq details[open] summary::after { transform:rotate(45deg); }
.kf-faq .kf-faq-a { padding:0 24px 22px; font-size:15px; line-height:1.75; color:var(--muted); }

/* CTA BAND */
.kf-band { background:linear-gradient(120deg,#0b1d35,#0a2a52); color:#fff; border-radius:22px; padding:54px 40px; text-align:center; position:relative; overflow:hidden; }
.kf-band::after { content:''; position:absolute; inset:0; background:radial-gradient(circle at 15% 30%,rgba(7,125,236,0.35),transparent 40%); }
.kf-band > * { position:relative; z-index:1; }
.kf-band h2 { font-size:clamp(23px,3vw,33px); font-weight:800; margin:0 0 14px; }
.kf-band p { font-size:16px; color:rgba(255,255,255,0.85); max-width:580px; margin:0 auto 28px; line-height:1.7; }

/* LEAD FORM (native, posts to Zoho) */
.kf-formwrap { background:#fff; border:1px solid var(--border); border-radius:18px; box-shadow:0 18px 50px rgba(11,29,53,0.08); padding:34px; }
.kf-formwrap.sticky { position:sticky; top:100px; }
.kf-form-eye { font-size:12px; font-weight:700; letter-spacing:0.1em; text-transform:uppercase; color:var(--blue); }
.kf-form-title { font-size:22px; font-weight:800; margin:8px 0 6px; line-height:1.2; }
.kf-form-sub { font-size:14px; color:var(--muted); line-height:1.6; margin:0 0 22px; }
.kf-form .row { display:grid; grid-template-columns:1fr 1fr; gap:14px; }
.kf-field { margin-bottom:14px; }
.kf-field label { display:block; font-size:13px; font-weight:600; color:var(--dark); margin-bottom:6px; }
.kf-req { color:var(--blue); }
.kf-field input, .kf-field textarea, .kf-field select { width:100%; border:1.5px solid var(--border); border-radius:10px; padding:12px 14px; font-size:14px; font-family:inherit; color:var(--dark); transition:border-color 0.15s, box-shadow 0.15s; background:#fff; }
.kf-field input:focus, .kf-field textarea:focus, .kf-field select:focus { outline:none; border-color:var(--blue); box-shadow:0 0 0 3px rgba(7,125,236,0.12); }
.kf-field textarea { min-height:110px; resize:vertical; }
.kf-submit { width:100%; justify-content:center; margin-top:6px; }
.kf-secure { font-size:12px; color:var(--muted); line-height:1.6; margin:14px 0 0; text-align:center; }

/* Split layout (service = content + sticky form) */
.kf-split { display:grid; grid-template-columns:1fr 400px; gap:44px; align-items:start; }

/* Blog list */
.kf-posts { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.kf-post { background:#fff; border:1px solid var(--border); border-radius:16px; overflow:hidden; display:flex; flex-direction:column; transition:all 0.2s; }
.kf-post:hover { border-color:var(--blue); box-shadow:0 14px 40px rgba(11,29,53,0.10); transform:translateY(-3px); }
.kf-post-img { aspect-ratio:16/9; background:var(--off); overflow:hidden; }
.kf-post-img img { width:100%; height:100%; object-fit:cover; }
.kf-post-body { padding:22px 22px 24px; display:flex; flex-direction:column; flex:1; }
.kf-post-cat { font-size:11.5px; font-weight:700; letter-spacing:0.08em; text-transform:uppercase; color:var(--blue); margin-bottom:10px; }
.kf-post h3 { font-size:17px; font-weight:700; line-height:1.35; margin:0 0 10px; color:var(--dark); }
.kf-post p { font-size:13.5px; line-height:1.65; color:var(--muted); margin:0 0 16px; flex:1; }
.kf-post .kf-more { margin-top:0; }

/* Article header */
.kf-art-head { background:var(--off); border-bottom:1px solid var(--border); }
.kf-art-head-in { max-width:820px; margin:0 auto; padding:44px 24px 40px; }
.kf-art-cat { font-size:12.5px; font-weight:700; letter-spacing:0.08em; text-transform:uppercase; color:var(--blue); margin-bottom:14px; }
.kf-art-title { font-size:clamp(26px,4vw,40px); font-weight:800; line-height:1.18; letter-spacing:-0.02em; margin:0 0 18px; }
.kf-art-meta { display:flex; flex-wrap:wrap; gap:16px; font-size:13.5px; color:var(--muted); }
.kf-art-meta span { display:inline-flex; align-items:center; gap:6px; }
.kf-art-meta svg { width:15px; height:15px; stroke:var(--blue); fill:none; stroke-width:2; stroke-linecap:round; stroke-linejoin:round; }

@media (max-width:960px){ .kf-split{ grid-template-columns:1fr; } .kf-formwrap.sticky{ position:static; } }
@media (max-width:900px){ .kf-grid,.kf-posts{ grid-template-columns:1fr 1fr; } .kf-stats-in{ grid-template-columns:1fr 1fr; row-gap:26px; } .kf-checks{ grid-template-columns:1fr; } }
@media (max-width:600px){ .kf-grid,.kf-grid-2,.kf-posts{ grid-template-columns:1fr; } .kf-form .row{ grid-template-columns:1fr; } .kf-formwrap{ padding:24px; } }