/* =============================
   INSURANCE WEBSITE – DESIGN SYSTEM
   ============================= */

/* ---------- FONTS ---------- */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&family=Playfair+Display:wght@700&display=swap');

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

:root {
  /* Colors */
  --primary:       #1a56db;
  --primary-dark:  #1342b5;
  --primary-light: #3b82f6;
  --secondary:     #0e1c40;
  --accent:        #f59e0b;
  --accent-2:      #10b981;
  --surface:       #ffffff;
  --surface-2:     #f8fafc;
  --surface-dark:  #0f172a;
  --text:          #1e293b;
  --text-muted:    #64748b;
  --text-light:    #94a3b8;
  --border:        #e2e8f0;
  --border-focus:  #1a56db;

  /* Gradients */
  --hero-gradient: linear-gradient(135deg, #0e1c40 0%, #1a3a6e 50%, #1a56db 100%);
  --card-gradient: linear-gradient(145deg, rgba(255,255,255,0.9), rgba(248,250,252,0.7));
  --accent-gradient: linear-gradient(90deg, #f59e0b, #ef4444);

  /* Shadows */
  --shadow-sm:   0 1px 3px rgba(0,0,0,0.08), 0 1px 2px rgba(0,0,0,0.05);
  --shadow-md:   0 4px 16px rgba(0,0,0,0.1), 0 2px 6px rgba(0,0,0,0.07);
  --shadow-lg:   0 20px 40px rgba(0,0,0,0.12), 0 8px 16px rgba(0,0,0,0.08);
  --shadow-glow: 0 0 30px rgba(26,86,219,0.25);

  /* Spacing */
  --radius:    12px;
  --radius-lg: 20px;
  --radius-xl: 32px;

  /* Typography */
  --font-body:    'Inter', sans-serif;
  --font-heading: 'Playfair Display', serif;
  --text-xs:   0.75rem;
  --text-sm:   0.875rem;
  --text-base: 1rem;
  --text-lg:   1.125rem;
  --text-xl:   1.25rem;
  --text-2xl:  1.5rem;
  --text-3xl:  1.875rem;
  --text-4xl:  2.25rem;
  --text-5xl:  3rem;
  --text-6xl:  3.75rem;
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--surface);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--primary); text-decoration: none; transition: color 0.2s; }
a:hover { color: var(--primary-dark); }

/* ---------- LAYOUT ---------- */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
}
.container-sm { max-width: 860px; margin: 0 auto; padding: 0 1.5rem; }

/* ---------- NAVIGATION ---------- */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(14,28,64,0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255,255,255,0.07);
  transition: background 0.3s;
}
.nav.scrolled { background: rgba(14,28,64,0.99); }

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.nav-logo {
  font-size: var(--text-xl);
  font-weight: 800;
  color: #fff;
  letter-spacing: -0.5px;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.nav-logo span { color: var(--accent); }
.nav-logo svg { width: 32px; height: 32px; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  list-style: none;
}
.nav-links a {
  color: rgba(255,255,255,0.8);
  font-size: var(--text-sm);
  font-weight: 500;
  padding: 0.5rem 0.875rem;
  border-radius: 8px;
  transition: all 0.2s;
}
.nav-links a:hover { color: #fff; background: rgba(255,255,255,0.1); }

.nav-dropdown { position: relative; }
.nav-dropdown > a::after {
  content: ' ▾';
  font-size: 0.65em;
  opacity: 0.7;
}
.dropdown-menu {
  display: none;
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 220px;
  background: var(--secondary);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius);
  padding: 0.5rem;
  box-shadow: var(--shadow-lg);
}
.nav-dropdown:hover .dropdown-menu { display: block; }
.dropdown-menu a {
  display: block;
  color: rgba(255,255,255,0.8) !important;
  padding: 0.5rem 0.75rem !important;
  border-radius: 6px;
  font-size: var(--text-sm) !important;
}
.dropdown-menu a:hover { color: #fff !important; background: rgba(255,255,255,0.08) !important; }

.nav-cta {
  background: var(--primary) !important;
  color: #fff !important;
  padding: 0.5rem 1.25rem !important;
  border-radius: 8px !important;
  font-weight: 600 !important;
  font-size: var(--text-sm) !important;
  transition: all 0.2s !important;
  box-shadow: 0 2px 10px rgba(26,86,219,0.4);
}
.nav-cta:hover { background: var(--primary-dark) !important; transform: translateY(-1px); }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
}
.hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: all 0.3s;
}

/* ---------- HERO ---------- */
.hero {
  background: var(--hero-gradient);
  min-height: 92vh;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 120px 0 80px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: -50%; right: -20%;
  width: 700px; height: 700px;
  background: radial-gradient(circle, rgba(26,86,219,0.3) 0%, transparent 70%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: -30%; left: -10%;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(245,158,11,0.12) 0%, transparent 70%);
  pointer-events: none;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.9);
  padding: 0.4rem 1rem;
  border-radius: 999px;
  font-size: var(--text-sm);
  font-weight: 500;
  margin-bottom: 1.5rem;
  backdrop-filter: blur(8px);
}
.hero-badge::before { content: '✦'; color: var(--accent); }

.hero h1 {
  font-family: var(--font-heading);
  font-size: clamp(2.2rem, 5vw, 4.5rem);
  color: #fff;
  line-height: 1.15;
  margin-bottom: 1.5rem;
  max-width: 720px;
}
.hero h1 em {
  font-style: normal;
  background: linear-gradient(90deg, #f59e0b, #fbbf24);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero p {
  font-size: var(--text-lg);
  color: rgba(255,255,255,0.75);
  max-width: 580px;
  margin-bottom: 2.5rem;
  line-height: 1.75;
}

.hero-buttons {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  margin-bottom: 4rem;
}

.hero-stats {
  display: flex;
  gap: 2.5rem;
  flex-wrap: wrap;
}
.stat-item { color: rgba(255,255,255,0.8); }
.stat-item strong {
  display: block;
  font-size: var(--text-2xl);
  font-weight: 800;
  color: #fff;
  line-height: 1;
  margin-bottom: 0.25rem;
}
.stat-item span { font-size: var(--text-sm); opacity: 0.7; }

/* ---------- BUTTONS ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.75rem 1.75rem;
  border-radius: var(--radius);
  font-size: var(--text-base);
  font-weight: 600;
  cursor: pointer;
  border: none;
  transition: all 0.25s;
  text-decoration: none;
  white-space: nowrap;
}
.btn-primary {
  background: var(--primary);
  color: #fff;
  box-shadow: 0 4px 20px rgba(26,86,219,0.4);
}
.btn-primary:hover {
  background: var(--primary-dark);
  color: #fff;
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(26,86,219,0.5);
}
.btn-outline {
  background: transparent;
  color: #fff;
  border: 2px solid rgba(255,255,255,0.4);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.1);
  color: #fff;
  border-color: rgba(255,255,255,0.7);
}
.btn-accent {
  background: var(--accent);
  color: #000;
  font-weight: 700;
  box-shadow: 0 4px 20px rgba(245,158,11,0.35);
}
.btn-accent:hover {
  background: #e08d00;
  color: #000;
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(245,158,11,0.5);
}
.btn-lg { padding: 1rem 2.25rem; font-size: var(--text-lg); }
.btn-sm { padding: 0.5rem 1.25rem; font-size: var(--text-sm); }

/* ---------- SECTIONS ---------- */
.section { padding: 80px 0; }
.section-alt { background: var(--surface-2); }
.section-dark {
  background: var(--surface-dark);
  color: rgba(255,255,255,0.85);
}

.section-header {
  text-align: center;
  margin-bottom: 3.5rem;
}
.section-label {
  display: inline-block;
  font-size: var(--text-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 2px;
  color: var(--primary);
  margin-bottom: 0.75rem;
}
.section-dark .section-label { color: var(--accent); }
.section-header h2 {
  font-size: clamp(1.75rem, 3.5vw, 2.75rem);
  font-weight: 800;
  color: var(--text);
  line-height: 1.25;
  margin-bottom: 1rem;
}
.section-dark .section-header h2 { color: #fff; }
.section-header p {
  font-size: var(--text-lg);
  color: var(--text-muted);
  max-width: 600px;
  margin: 0 auto;
}
.section-dark .section-header p { color: rgba(255,255,255,0.6); }

/* ---------- CARDS ---------- */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 1.5rem;
}
.card-grid-2 { grid-template-columns: repeat(auto-fill, minmax(380px, 1fr)); }
.card-grid-4 { grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); }

.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  transition: all 0.3s;
  position: relative;
  overflow: hidden;
}
.card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--primary), var(--primary-light));
  opacity: 0;
  transition: opacity 0.3s;
}
.card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(26,86,219,0.2);
}
.card:hover::before { opacity: 1; }

.card-glass {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-radius: var(--radius-lg);
  padding: 2rem;
  transition: all 0.3s;
}
.card-glass:hover {
  background: rgba(255,255,255,0.1);
  transform: translateY(-4px);
}

.card-icon {
  width: 56px; height: 56px;
  border-radius: var(--radius);
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 1.25rem;
  box-shadow: 0 4px 16px rgba(26,86,219,0.3);
}
.card-icon.accent {
  background: linear-gradient(135deg, #f59e0b, #ef4444);
  box-shadow: 0 4px 16px rgba(245,158,11,0.3);
}
.card-icon.green {
  background: linear-gradient(135deg, #10b981, #059669);
  box-shadow: 0 4px 16px rgba(16,185,129,0.3);
}

.card h3 {
  font-size: var(--text-xl);
  font-weight: 700;
  color: var(--text);
  margin-bottom: 0.75rem;
  line-height: 1.3;
}
.card p { color: var(--text-muted); font-size: var(--text-sm); line-height: 1.7; }
.card-link {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  margin-top: 1.25rem;
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--primary);
}
.card-link::after { content: '→'; transition: transform 0.2s; }
.card:hover .card-link::after { transform: translateX(4px); }

/* ---------- FEATURE LIST ---------- */
.feature-list {
  display: grid;
  gap: 1rem;
  list-style: none;
}
.feature-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1.25rem 1.5rem;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  transition: all 0.25s;
}
.feature-item:hover { border-color: var(--primary-light); box-shadow: var(--shadow-sm); }
.feature-item .icon {
  font-size: 1.5rem;
  min-width: 40px;
  text-align: center;
}
.feature-item h4 { font-size: var(--text-base); font-weight: 600; color: var(--text); margin-bottom: 0.25rem; }
.feature-item p { font-size: var(--text-sm); color: var(--text-muted); }

/* ---------- TESTIMONIALS ---------- */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 1.5rem;
}
.testimonial-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  transition: all 0.3s;
}
.testimonial-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.testimonial-stars { color: var(--accent); font-size: 1.1rem; margin-bottom: 1rem; letter-spacing: 2px; }
.testimonial-text {
  font-size: var(--text-base);
  color: var(--text);
  line-height: 1.7;
  margin-bottom: 1.5rem;
  font-style: italic;
}
.testimonial-text::before { content: '"'; font-size: 2rem; color: var(--primary); line-height: 0; vertical-align: -0.6rem; margin-right: 0.25rem; }
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}
.author-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-weight: 700;
  font-size: var(--text-sm);
  flex-shrink: 0;
}
.author-name { font-weight: 600; font-size: var(--text-sm); color: var(--text); }
.author-role { font-size: var(--text-xs); color: var(--text-muted); }

/* ---------- FAQ ACCORDION ---------- */
.faq-list { display: grid; gap: 0.75rem; }
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: all 0.25s;
}
.faq-item:hover { border-color: var(--primary-light); }
.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.25rem 1.5rem;
  cursor: pointer;
  font-weight: 600;
  font-size: var(--text-base);
  color: var(--text);
  background: var(--surface);
  user-select: none;
  gap: 1rem;
}
.faq-question .toggle {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--surface-2);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  color: var(--primary);
  flex-shrink: 0;
  transition: all 0.25s;
}
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease;
  background: var(--surface);
}
.faq-answer-inner {
  padding: 0 1.5rem 1.25rem;
  color: var(--text-muted);
  font-size: var(--text-sm);
  line-height: 1.75;
}
.faq-item.open .faq-answer { max-height: 400px; }
.faq-item.open .toggle { background: var(--primary); color: #fff; transform: rotate(45deg); }

/* ---------- BREADCRUMB ---------- */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.6);
  margin-bottom: 1.25rem;
  flex-wrap: wrap;
}
.breadcrumb a { color: rgba(255,255,255,0.6); }
.breadcrumb a:hover { color: #fff; }
.breadcrumb-sep { opacity: 0.4; }
.breadcrumb-current { color: rgba(255,255,255,0.9); }

/* ---------- PAGE HERO (inner pages) ---------- */
.page-hero {
  background: var(--hero-gradient);
  padding: 130px 0 70px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  top: -50%; right: -15%;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(26,86,219,0.2) 0%, transparent 70%);
}
.page-hero h1 {
  font-family: var(--font-heading);
  font-size: clamp(1.8rem, 4vw, 3.2rem);
  color: #fff;
  line-height: 1.2;
  margin-bottom: 1rem;
}
.page-hero p {
  font-size: var(--text-lg);
  color: rgba(255,255,255,0.75);
  max-width: 600px;
  line-height: 1.75;
}
.page-hero-meta {
  display: flex;
  gap: 1.5rem;
  margin-top: 1.5rem;
  flex-wrap: wrap;
}
.page-hero-meta span {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: var(--text-sm);
  color: rgba(255,255,255,0.65);
}

/* ---------- ARTICLE / BLOG ---------- */
.article-content {
  font-size: var(--text-base);
  line-height: 1.85;
  color: var(--text);
}
.article-content h2 {
  font-size: var(--text-2xl);
  font-weight: 700;
  color: var(--secondary);
  margin: 2.5rem 0 1rem;
}
.article-content h3 {
  font-size: var(--text-xl);
  font-weight: 600;
  color: var(--text);
  margin: 2rem 0 0.75rem;
}
.article-content p { margin-bottom: 1.25rem; }
.article-content ul, .article-content ol {
  margin: 1rem 0 1.25rem 1.5rem;
}
.article-content li { margin-bottom: 0.5rem; }
.article-content blockquote {
  border-left: 4px solid var(--primary);
  padding: 1rem 1.5rem;
  background: var(--surface-2);
  border-radius: 0 var(--radius) var(--radius) 0;
  margin: 1.5rem 0;
  font-style: italic;
  color: var(--text-muted);
}
.article-content strong { color: var(--secondary); font-weight: 700; }

.article-layout {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 3rem;
  align-items: start;
}
@media (max-width: 900px) { .article-layout { grid-template-columns: 1fr; } }

.sidebar { display: grid; gap: 1.5rem; }
.sidebar-widget {
  background: var(--surface-2);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
}
.sidebar-widget h4 {
  font-size: var(--text-base);
  font-weight: 700;
  color: var(--text);
  margin-bottom: 1rem;
  padding-bottom: 0.75rem;
  border-bottom: 2px solid var(--primary);
  display: inline-block;
}
.sidebar-links { list-style: none; display: grid; gap: 0.5rem; }
.sidebar-links a {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: var(--text-sm);
  color: var(--text-muted);
  padding: 0.4rem 0;
  transition: all 0.2s;
}
.sidebar-links a::before { content: '›'; color: var(--primary); font-size: 1.1rem; }
.sidebar-links a:hover { color: var(--primary); }

/* ---------- TAGS ---------- */
.tag {
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
  background: rgba(26,86,219,0.08);
  color: var(--primary);
  border: 1px solid rgba(26,86,219,0.15);
  padding: 0.3rem 0.8rem;
  border-radius: 999px;
  font-size: var(--text-xs);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.tag-green { background: rgba(16,185,129,0.08); color: var(--accent-2); border-color: rgba(16,185,129,0.15); }
.tag-amber { background: rgba(245,158,11,0.08); color: var(--accent); border-color: rgba(245,158,11,0.2); }

/* ---------- CTA BAND ---------- */
.cta-band {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  padding: 70px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.cta-band h2 {
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  color: #fff;
  font-weight: 800;
  margin-bottom: 1rem;
  position: relative;
}
.cta-band p { color: rgba(255,255,255,0.8); font-size: var(--text-lg); margin-bottom: 2rem; position: relative; }
.cta-band .btn { position: relative; }

/* ---------- TRUST BADGES ---------- */
.trust-row {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2rem;
  flex-wrap: wrap;
  padding: 2.5rem 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.trust-badge {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  color: var(--text-muted);
  font-size: var(--text-sm);
  font-weight: 500;
}
.trust-badge .icon { font-size: 1.4rem; }

/* ---------- STEPS ---------- */
.steps-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 1.5rem; }
.step-item { text-align: center; padding: 2rem 1.5rem; }
.step-number {
  width: 60px; height: 60px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: #fff;
  font-size: var(--text-xl);
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
  box-shadow: 0 4px 20px rgba(26,86,219,0.35);
}
.step-item h3 { font-size: var(--text-lg); font-weight: 700; color: var(--text); margin-bottom: 0.5rem; }
.step-item p { font-size: var(--text-sm); color: var(--text-muted); }

/* ---------- PRICING TABLE ---------- */
.pricing-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 1.5rem; }
.pricing-card {
  border: 2px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 2.5rem 2rem;
  text-align: center;
  transition: all 0.3s;
  background: var(--surface);
}
.pricing-card.featured {
  border-color: var(--primary);
  box-shadow: var(--shadow-glow);
  position: relative;
}
.pricing-badge {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--primary);
  color: #fff;
  font-size: var(--text-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  padding: 0.3rem 1rem;
  border-radius: 999px;
}
.pricing-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.pricing-name { font-size: var(--text-lg); font-weight: 700; color: var(--text); margin-bottom: 0.5rem; }
.pricing-price {
  font-size: 3rem;
  font-weight: 900;
  color: var(--primary);
  line-height: 1;
  margin: 1rem 0;
}
.pricing-price sup { font-size: 1.2rem; vertical-align: top; margin-top: 0.5rem; }
.pricing-period { font-size: var(--text-sm); color: var(--text-muted); }
.pricing-features {
  list-style: none;
  margin: 1.5rem 0;
  text-align: left;
  display: grid;
  gap: 0.6rem;
}
.pricing-features li {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: var(--text-sm);
  color: var(--text-muted);
}
.pricing-features li::before { content: '✓'; color: var(--accent-2); font-weight: 700; }

/* ---------- CALCULATOR TOOL ---------- */
.calc-form {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  box-shadow: var(--shadow-md);
}
.form-group { margin-bottom: 1.25rem; }
.form-group label {
  display: block;
  font-size: var(--text-sm);
  font-weight: 600;
  color: var(--text);
  margin-bottom: 0.4rem;
}
.form-group input,
.form-group select {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: var(--font-body);
  font-size: var(--text-base);
  color: var(--text);
  background: var(--surface);
  transition: border-color 0.2s, box-shadow 0.2s;
  outline: none;
}
.form-group input:focus,
.form-group select:focus {
  border-color: var(--border-focus);
  box-shadow: 0 0 0 3px rgba(26,86,219,0.1);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
@media (max-width: 600px) { .form-row { grid-template-columns: 1fr; } }

.calc-result {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: var(--radius-lg);
  padding: 2rem;
  text-align: center;
  color: #fff;
  margin-top: 1.5rem;
  display: none;
}
.calc-result.show { display: block; }
.calc-result-amount {
  font-size: 3rem;
  font-weight: 900;
  line-height: 1;
  margin: 0.5rem 0;
}
.calc-result p { color: rgba(255,255,255,0.8); font-size: var(--text-sm); }

/* ---------- FOOTER ---------- */
.footer {
  background: var(--surface-dark);
  color: rgba(255,255,255,0.7);
  padding: 70px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 3rem;
}
.footer-brand .nav-logo { margin-bottom: 1rem; }
.footer-brand p { font-size: var(--text-sm); line-height: 1.8; color: rgba(255,255,255,0.55); max-width: 280px; }
.footer-socials {
  display: flex;
  gap: 0.75rem;
  margin-top: 1.25rem;
}
.social-btn {
  width: 38px; height: 38px;
  border-radius: 8px;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  color: rgba(255,255,255,0.6);
  transition: all 0.2s;
  text-decoration: none;
}
.social-btn:hover { background: var(--primary); color: #fff; border-color: var(--primary); }

.footer-col h4 {
  font-size: var(--text-sm);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: rgba(255,255,255,0.5);
  margin-bottom: 1.25rem;
}
.footer-links { list-style: none; display: grid; gap: 0.6rem; }
.footer-links a {
  color: rgba(255,255,255,0.6);
  font-size: var(--text-sm);
  transition: color 0.2s;
}
.footer-links a:hover { color: #fff; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.07);
  padding: 1.5rem 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 1rem;
}
.footer-bottom p { font-size: var(--text-sm); color: rgba(255,255,255,0.4); }
.footer-bottom-links {
  display: flex;
  gap: 1.5rem;
  list-style: none;
}
.footer-bottom-links a { color: rgba(255,255,255,0.4); font-size: var(--text-sm); }
.footer-bottom-links a:hover { color: rgba(255,255,255,0.7); }

/* ---------- UTILITIES ---------- */
.text-center { text-align: center; }
.text-primary { color: var(--primary); }
.text-accent { color: var(--accent); }
.text-muted { color: var(--text-muted); }
.mt-1 { margin-top: 0.5rem; } .mt-2 { margin-top: 1rem; } .mt-3 { margin-top: 1.5rem; } .mt-4 { margin-top: 2rem; }
.mb-1 { margin-bottom: 0.5rem; } .mb-2 { margin-bottom: 1rem; } .mb-3 { margin-bottom: 1.5rem; } .mb-4 { margin-bottom: 2rem; }
.flex { display: flex; } .flex-center { display: flex; align-items: center; justify-content: center; }
.gap-1 { gap: 0.5rem; } .gap-2 { gap: 1rem; } .gap-3 { gap: 1.5rem; }
.w-full { width: 100%; }
.rounded { border-radius: var(--radius); } .rounded-lg { border-radius: var(--radius-lg); }

/* ---------- MOBILE NAV ---------- */
.mobile-nav {
  display: none;
  position: fixed;
  inset: 0;
  background: var(--secondary);
  z-index: 9999;
  padding: 1.5rem;
  flex-direction: column;
  overflow-y: auto;
}
.mobile-nav.open { display: flex; }
.mobile-nav-close {
  align-self: flex-end;
  background: none;
  border: none;
  color: rgba(255,255,255,0.7);
  font-size: 2rem;
  cursor: pointer;
  line-height: 1;
  margin-bottom: 2rem;
}
.mobile-nav-links { list-style: none; display: grid; gap: 0.5rem; }
.mobile-nav-links a {
  display: block;
  color: rgba(255,255,255,0.85);
  font-size: var(--text-lg);
  font-weight: 600;
  padding: 0.875rem 1rem;
  border-radius: var(--radius);
  transition: all 0.2s;
}
.mobile-nav-links a:hover { color: #fff; background: rgba(255,255,255,0.08); }
.mobile-nav-cta {
  margin-top: 2rem;
  background: var(--primary);
  color: #fff !important;
  text-align: center;
  padding: 1rem !important;
  border-radius: var(--radius) !important;
}

/* ---------- RESPONSIVE ---------- */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .article-layout { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .nav-links { display: none; }
  .hamburger { display: flex; }

  .hero { min-height: 80vh; padding: 100px 0 60px; }
  .hero h1 { font-size: clamp(1.8rem, 8vw, 3rem); }
  .hero p { font-size: var(--text-base); }
  .hero-stats { gap: 1.5rem; }

  .section { padding: 60px 0; }

  .card-grid { grid-template-columns: 1fr; }
  .card-grid-2 { grid-template-columns: 1fr; }
  .card-grid-4 { grid-template-columns: repeat(2, 1fr); }

  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }

  .pricing-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr 1fr; }

  .hero-buttons { flex-direction: column; }
  .hero-buttons .btn { justify-content: center; }
}
@media (max-width: 480px) {
  :root {
    --text-base: 0.9375rem;
    --text-lg: 1rem;
  }
  .steps-grid { grid-template-columns: 1fr; }
  .card-grid-4 { grid-template-columns: 1fr; }
  .trust-row { flex-direction: column; gap: 1rem; }
}

/* ---------- ANIMATIONS ---------- */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(24px); }
  to { opacity: 1; transform: translateY(0); }
}
@keyframes fadeInLeft {
  from { opacity: 0; transform: translateX(-24px); }
  to { opacity: 1; transform: translateX(0); }
}
@keyframes pulse-glow {
  0%, 100% { box-shadow: 0 0 0 0 rgba(26,86,219,0.3); }
  50% { box-shadow: 0 0 0 12px rgba(26,86,219,0); }
}

.animate-fade-up { animation: fadeInUp 0.7s ease both; }
.animate-delay-1 { animation-delay: 0.1s; }
.animate-delay-2 { animation-delay: 0.2s; }
.animate-delay-3 { animation-delay: 0.3s; }
.animate-delay-4 { animation-delay: 0.4s; }

/* ---------- SCROLL INDICATOR ON HERO ---------- */
.scroll-indicator {
  position: absolute;
  bottom: 2rem;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.4rem;
  color: rgba(255,255,255,0.4);
  font-size: var(--text-xs);
  letter-spacing: 1px;
  text-transform: uppercase;
  animation: bounce 2s infinite;
}
.scroll-indicator::before { content: '⌄'; font-size: 1.5rem; }
@keyframes bounce {
  0%, 100% { transform: translateX(-50%) translateY(0); }
  50% { transform: translateX(-50%) translateY(8px); }
}

/* ---------- COOKIE BANNER ---------- */
.cookie-banner {
  position: fixed;
  bottom: 1.5rem;
  left: 50%;
  transform: translateX(-50%);
  z-index: 10000;
  background: var(--secondary);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 1.25rem 1.75rem;
  display: flex;
  align-items: center;
  gap: 1.5rem;
  box-shadow: var(--shadow-lg);
  max-width: 680px;
  width: calc(100% - 3rem);
  backdrop-filter: blur(12px);
}
.cookie-banner p { font-size: var(--text-sm); color: rgba(255,255,255,0.75); flex: 1; }
.cookie-banner p a { color: var(--primary-light); }
.cookie-buttons { display: flex; gap: 0.75rem; flex-shrink: 0; }
@media (max-width: 600px) {
  .cookie-banner { flex-direction: column; align-items: flex-start; }
  .cookie-buttons { width: 100%; }
  .cookie-buttons .btn { flex: 1; justify-content: center; }
}