.page-banner {
      background-image: url('bgr.png');
      background-size: cover;
      background-position: center;
      background-repeat: no-repeat;
      padding: 100px 20px;
      text-align: center;
      color: #000;
      position: relative;
    }

    .page-banner::before {
      content: "";
      position: absolute;
      top: 0; left: 0;
      width: 100%;
      height: 100%;
      background: rgba(255, 255, 255, 0.6); /* soft overlay */
      z-index: 1;
    }

    .banner-content {
      position: relative;
      z-index: 2;
      max-width: 900px;
      margin: auto;
    }

    .banner-content h1 {
      font-size: 2.8rem;
      font-weight: bold;
      margin-bottom: 10px;
    }

    .banner-content p {
      font-size: 1rem;
      color: #ffff;
    }

    .banner-content a {
      color: #ffff;
      text-decoration: none;
      font-weight: 500;
    }

    .banner-content a:hover {
      text-decoration: underline;
    }

    /* Responsive Design */
    @media (max-width: 768px) {
      .page-banner {
        padding: 70px 15px;
      }

      .banner-content h1 {
        font-size: 2rem;
      }

      .banner-content p {
        font-size: 0.95rem;
      }
    }


    /* Global Reset */

.hero {
      position: relative;
      background-color: #0b2953;
      color: white;
      text-align: center;
      padding: 100px 20px;
      overflow: hidden;
    }
    .hero img {
      position: absolute;
      inset: 0;
      width: 100%;
      height: 100%;
      object-fit: cover;
      opacity: 0.2;
      z-index: 0;
    }
    .hero-content {
      position: relative;
      z-index: 1;
      max-width: 900px;
      margin: auto;
    }
    .hero h1 {
      font-size: 3rem;
      font-weight: 800;
      margin-bottom: 1rem;
    }
    .hero p {
      font-size: 1.2rem;
      opacity: 0.9;
    }
    .btn-primary {
      background: white;
      color: #0b2953;
      padding: 12px 30px;
      border: none;
      font-weight: bold;
      border-radius: 30px;
      margin-top: 30px;
      cursor: pointer;
      transition: background 0.3s;
    }
    .btn-primary:hover {
      background: #f0f0f0;
    }

    .section {
      padding: 80px 20px;
      background: white;
    }
    .section.gray {
      background: #f0f2f5;
    }
    .section h2 {
      text-align: center;
      color: #0b2953;
      font-size: 2rem;
      margin-bottom: 40px;
    }

    .grid {
      display: grid;
      gap: 30px;
      max-width: 1200px;
      margin: auto;
    }
    .grid-2 {
      grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
      align-items: center;
    }
    .grid-3 {
      grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    }

    .card {
      background: white;
      border-radius: 10px;
      overflow: hidden;
      box-shadow: 0 4px 20px rgba(0,0,0,0.05);
      transition: 0.3s;
    }
    .card:hover {
      box-shadow: 0 6px 30px rgba(0,0,0,0.1);
    }
    .card img {
      width: 100%;
      height: 200px;
      object-fit: cover;
    }
    .card-body {
      padding: 20px;
    }
    .card-body h3 {
      font-size: 1.2rem;
      color: #0b2953;
      margin-bottom: 10px;
    }
    .card-body p {
      font-size: 0.95rem;
      color: #666;
    }

    .process-step {
      text-align: left;
      background: white;
      padding: 30px;
      border-radius: 8px;
      box-shadow: 0 4px 10px rgba(0,0,0,0.05);
    }
    .process-step img {
      width: 40px;
      margin-bottom: 15px;
    }
    .cta {
      background: #0b2953;
      color: white;
      text-align: center;
      padding: 80px 20px;
    }
    .cta h2 {
      font-size: 2rem;
      margin-bottom: 20px;
    }
    .cta p {
      font-size: 1.1rem;
      margin-bottom: 30px;
      opacity: 0.9;
    }


    .process-section {
  background-color: #f7f7f7;
  padding: 60px 20px;
  text-align: center;
  font-family: 'Segoe UI', sans-serif;
  color: #333;
}

.section-subtitle {
  color: #f4b400;
  font-weight: bold;
  margin-bottom: 10px;
  font-size: 14px;
  letter-spacing: 1px;
}

.section-title {
  font-size: 36px;
  font-weight: 700;
  margin: 0 0 10px;
}

.section-description {
  font-size: 16px;
  color: #666;
  max-width: 600px;
  margin: 0 auto 40px;
}



.process-section {
  text-align: center;
  background: #f7f7f7;
  padding: 60px 20px;
}

.section-subtitle {
  color: #fbbf24;
  font-weight: bold;
  margin-bottom: 10px;
}

.section-title {
  font-size: 2.5rem;
  font-weight: 800;
  color: #2d2d2d;
}

.section-description {
  color: #555;
  font-size: 1rem;
  margin-bottom: 40px;
}

.process-steps {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 24px;
}

.step {
  display: flex;
  flex-direction: column;
  align-items: center;
  min-width: 100px;
}

.circle {
  background-color: #0033aa;
  color: white;
  font-size: 1.2rem;
  font-weight: bold;
  width: 60px;
  height: 60px;
  border-radius: 50%;
  display: flex;
  justify-content: center;
  align-items: center;
  box-shadow: 0 5px 15px rgba(0,0,0,0.1);
  margin-bottom: 8px;
}

.arrow {
  display: flex;
  align-items: center;
  justify-content: center;
  animation: arrowMove 1.2s infinite;
}

.arrow svg {
  transition: transform 0.3s;
}

@keyframes arrowMove {
  0%, 100% {
    transform: translateX(0);
  }
  50% {
    transform: translateX(5px);
  }
}

.step p {
  font-weight: 500;
  color: #333;
  margin-top: 4px;
}


.quote-section {
  background: #f9f9f9;
  padding: 60px 20px;
  text-align: center;
}

.quote-section h2 {
  color: #0b2953;
  font-size: 2rem;
  margin-bottom: 10px;
}

.quote-section p {
  font-size: 1rem;
  margin-bottom: 30px;
  color: #555;
}

.quote-form {
  max-width: 600px;
  margin: auto;
  display: grid;
  gap: 20px;
}

.quote-form .form-group {
  display: flex;
  flex-direction: column;
}

.quote-form input,
.quote-form textarea {
  padding: 12px 15px;
  border: 1px solid #ccc;
  border-radius: 8px;
  font-size: 1rem;
}

.quote-form input:focus,
.quote-form textarea:focus {
  border-color: #0b2953;
  outline: none;
  box-shadow: 0 0 0 2px rgba(11, 41, 83, 0.2);
}

.quote-form .btn-primary {
  background: #0b2953;
  color: white;
  font-size: 1rem;
  font-weight: bold;
  border: none;
  padding: 12px 30px;
  border-radius: 30px;
  cursor: pointer;
  transition: background 0.3s;
}

.quote-form .btn-primary:hover {
  background: #1a3a6d;
}