.hero-insurance {
  background: linear-gradient(120deg, var(--accent) 0%, #ecfdf3 45%, #f0fdfa 100%);
  padding: 90px 0 60px;
}

.hero-insurance .container {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 40px;
  align-items: center;
}

.hero-intro {
  display: grid;
  gap: 18px;
}

.hero-kicker {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 700;
  color: var(--brand);
  padding: 6px 14px;
  border-radius: 999px;
  width: fit-content;
}

.hero-title {
  font-family: "DM Serif Display", "Times New Roman", serif;
  font-size: clamp(2.4rem, 4vw, 3.4rem);
  margin: 0;
}

.hero-subtitle {
  margin: 0;
  color: #475569;
  font-size: 1.05rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

.hero-visual {
  position: relative;
  background: transparent !important;
}

.hero-photo {
  min-height: 320px;
  border-radius: 28px;
  background: url("../images/hero-insurance.png") center/cover no-repeat;
  /*box-shadow: 0 30px 60px rgba(15, 23, 42, 0.2); */
}

.personal-auto-photo {
  min-height: 320px;
  border-radius: 28px;
  background: url("../images/personal-auto.png") center/cover no-repeat;
}

.trucking-liability-photo {
  min-height: 320px;
  border-radius: 28px;
  background: url("../images/trucking-liability.png") center/cover no-repeat;
}

.cargo-photo {
  min-height: 320px;
  border-radius: 28px;
  background: url("../images/cargo.png") center/cover no-repeat;
}

.physical-damage-photo {
  min-height: 320px;
  border-radius: 28px;
  background: url("../images/physical-damage.png") center/cover no-repeat;
}

.stat-pills {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 14px;
}

.stat-pill {
  background: var(--accent);
  border-radius: 16px;
  padding: 14px;
  box-shadow: 0 16px 32px rgba(15, 23, 42, 0.08);
  text-align: center;
}

.stat-pill h4 {
  margin: 0;
  font-size: 1.4rem;
  color: #ffffff;
}

.testimonials-grid {
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
}

.testimonial-card {
  background: #ffffff;
  border-radius: 22px;
  padding: 24px;
  border: 1px solid #e2e8f0;
  box-shadow: 0 20px 40px rgba(15, 23, 42, 0.05);
}

.testimonial-card p {
  color: #475569;
}

.stars {
  color: #cbd5f5;
  margin-bottom: 12px;
}

.stars .active {
  color: #f59e0b;
}

.section-slab.alt .split-panel {
  background: #ffffff;
}

.quote-panel h3 {
  margin-top: 0;
}