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

:root {
  --bg-primary: hsl(210, 40%, 98%);
  --bg-secondary: hsl(0, 0%, 100%);
  --bg-tertiary: hsl(210, 30%, 94%);
  --bg-glass: rgba(255, 255, 255, 0.65);
  --bg-glass-hover: rgba(255, 255, 255, 0.85);
  --border-glass: rgba(15, 23, 42, 0.08);
  --border-glass-hover: rgba(15, 23, 42, 0.15);
  --accent: hsl(217, 91%, 56%);
  --accent-glow: hsla(217, 91%, 56%, 0.25);
  --accent-soft: hsla(217, 91%, 56%, 0.08);
  --accent-warm: hsl(28, 100%, 53%);
  --accent-warm-glow: hsla(28, 100%, 53%, 0.25);
  --text-primary: hsl(215, 47%, 11%);
  --text-secondary: hsl(215, 16%, 35%);
  --text-muted: hsl(215, 12%, 60%);
  --gradient-hero: linear-gradient(135deg, hsl(210, 60%, 98%) 0%, hsl(195, 60%, 97%) 50%, hsl(220, 50%, 96%) 100%);
  --gradient-accent: linear-gradient(135deg, var(--accent), hsl(197, 90%, 50%));
  --gradient-warm: linear-gradient(135deg, var(--accent-warm), hsl(16, 95%, 55%));
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --shadow-sm: 0 2px 8px rgba(15, 23, 42, 0.04);
  --shadow-md: 0 8px 30px rgba(15, 23, 42, 0.08);
  --shadow-lg: 0 16px 48px rgba(15, 23, 42, 0.12);
  --shadow-glow: 0 0 40px var(--accent-glow);
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --max-width: 1280px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  background: var(--bg-primary);
  color: var(--text-secondary);
  line-height: 1.7;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--accent); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--text-primary); }
ul, ol { list-style: none; }

.container { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }

/* Typography */
h1, h2, h3, h4, h5, h6 { color: var(--text-primary); font-weight: 700; line-height: 1.2; }
h1 { font-size: clamp(2.2rem, 5vw, 3.8rem); font-weight: 900; letter-spacing: -0.03em; }
h2 { font-size: clamp(1.8rem, 4vw, 2.8rem); font-weight: 800; letter-spacing: -0.02em; }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.5rem); font-weight: 700; }
h4 { font-size: 1.1rem; font-weight: 600; }
.section-label {
  display: inline-block; font-size: 0.8rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.15em; color: var(--accent); margin-bottom: 12px;
  background: var(--accent-soft); padding: 6px 16px; border-radius: 50px;
}
.section-subtitle { max-width: 640px; margin: 0 auto 48px; color: var(--text-secondary); font-size: 1.1rem; text-align: center; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; gap: 8px; padding: 14px 32px;
  font-family: inherit; font-size: 1rem; font-weight: 600; border: none;
  border-radius: var(--radius-md); cursor: pointer; transition: var(--transition);
  text-decoration: none; position: relative; overflow: hidden;
}
.btn-primary {
  background: var(--gradient-accent); color: #ffffff;
  box-shadow: 0 4px 20px var(--accent-glow);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 32px var(--accent-glow); color: #ffffff; }
.btn-secondary {
  background: var(--bg-glass); color: var(--text-primary);
  border: 1px solid var(--border-glass); backdrop-filter: blur(12px);
}
.btn-secondary:hover { background: var(--bg-glass-hover); border-color: var(--border-glass-hover); transform: translateY(-2px); color: var(--text-primary); }
.btn-warm {
  background: var(--gradient-warm); color: #ffffff;
  box-shadow: 0 4px 20px var(--accent-warm-glow);
}
.btn-warm:hover { transform: translateY(-2px); box-shadow: 0 8px 32px var(--accent-warm-glow); color: #ffffff; }
.btn-lg { padding: 18px 40px; font-size: 1.1rem; border-radius: var(--radius-lg); }

/* Glass Card */
.glass-card {
  background: var(--bg-glass); border: 1px solid var(--border-glass);
  border-radius: var(--radius-lg); backdrop-filter: blur(16px);
  padding: 32px; transition: var(--transition);
}
.glass-card:hover {
  background: var(--bg-glass-hover); border-color: var(--border-glass-hover);
  transform: translateY(-4px); box-shadow: var(--shadow-md);
}

/* HEADER / NAV */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(255, 255, 255, 0.8); backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border-glass); transition: var(--transition);
}
.site-header.scrolled { background: rgba(255, 255, 255, 0.95); }
.nav { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.nav-logo { font-size: 1.4rem; font-weight: 800; color: var(--text-primary); display: flex; align-items: center; gap: 10px; }
.nav-logo .logo-icon { width: 36px; height: 36px; background: var(--gradient-accent); border-radius: var(--radius-sm); display: grid; place-items: center; font-size: 1.2rem; }
.nav-links { display: flex; align-items: center; gap: 32px; }
.nav-links a { color: var(--text-secondary); font-size: 0.95rem; font-weight: 500; }
.nav-links a:hover { color: var(--text-primary); }
.nav-cta .btn { padding: 10px 24px; font-size: 0.9rem; }
.mobile-toggle { display: none; background: none; border: none; color: var(--text-primary); font-size: 1.5rem; cursor: pointer; }

/* HERO */
.hero {
  min-height: 100vh; display: flex; align-items: center; justify-content: center;
  background: var(--gradient-hero); position: relative; padding: 120px 24px 80px; text-align: center;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(circle at 30% 40%, hsla(163,100%,42%,0.08) 0%, transparent 60%),
              radial-gradient(circle at 70% 60%, hsla(270,60%,50%,0.08) 0%, transparent 60%);
}
.hero-content { position: relative; z-index: 2; max-width: 800px; }
.hero h1 { margin-bottom: 20px; }
.hero h1 .highlight { background: var(--gradient-accent); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.hero-sub { font-size: clamp(1.05rem, 2vw, 1.25rem); color: var(--text-secondary); margin-bottom: 40px; max-width: 600px; margin-left: auto; margin-right: auto; }
.hero-ctas { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; margin-bottom: 48px; }
.hero-trust { display: flex; gap: 32px; justify-content: center; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 8px; font-size: 0.9rem; color: var(--text-muted); }
.trust-item .icon { color: var(--accent); font-size: 1.1rem; }

/* SECTIONS */
section { padding: 100px 0; }
.section-header { text-align: center; margin-bottom: 64px; }

/* BENEFITS */
.benefits-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(340px, 1fr)); gap: 24px; }
.benefit-card { text-align: center; padding: 40px 32px; }
.benefit-icon {
  width: 64px; height: 64px; border-radius: var(--radius-md); margin: 0 auto 20px;
  display: grid; place-items: center; font-size: 1.6rem;
   color: var(--accent);
}
.benefit-card h3 { margin-bottom: 12px; }

/* HOW IT WORKS */
.steps-container { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 32px; counter-reset: step; }
.step-card { text-align: center; padding: 48px 32px; position: relative; }
.step-number {
  width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center;
  font-size: 1.3rem; font-weight: 800; margin: 0 auto 24px;
  background: var(--gradient-accent); color: #ffffff;
}
.step-card h3 { margin-bottom: 12px; }

/* INSURANCE TYPES */
.insurance-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 20px; }
.insurance-card { padding: 36px 28px; text-align: center; cursor: pointer; }
.insurance-card .card-icon { font-size: 2.4rem; margin-bottom: 16px; }
.insurance-card h3 { margin-bottom: 10px; font-size: 1.15rem; }
.insurance-card .card-link { display: inline-flex; align-items: center; gap: 6px; color: var(--accent); font-weight: 600; font-size: 0.9rem; margin-top: 16px; }

/* WHY CHOOSE US */
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.why-list { display: flex; flex-direction: column; gap: 20px; }
.why-item { display: flex; gap: 16px; align-items: flex-start; }
.why-item .check { flex-shrink: 0; width: 28px; height: 28px; border-radius: 50%; background: var(--accent-soft); color: var(--accent); display: grid; place-items: center; font-size: 0.85rem; font-weight: 700; }
.why-item h4 { margin-bottom: 4px; }
.stats-row { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.stat-card { text-align: center; padding: 32px 16px; }
.stat-card .stat-num { font-size: 2.4rem; font-weight: 900; color: var(--accent); margin-bottom: 4px; }
.stat-card .stat-label { font-size: 0.85rem; color: var(--text-muted); }

/* TESTIMONIALS */
.testimonials-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); gap: 24px; }
.testimonial-card { padding: 36px; }
.testimonial-stars { color: var(--accent-warm); font-size: 1.1rem; margin-bottom: 16px; }
.testimonial-text { font-style: italic; margin-bottom: 20px; line-height: 1.8; color: var(--text-secondary); }
.testimonial-author { display: flex; align-items: center; gap: 14px; }
.author-avatar {
  width: 48px; height: 48px; border-radius: 50%;
  background: var(--gradient-accent); display: grid; place-items: center;
  font-weight: 700; color: #ffffff; font-size: 1.1rem;
}
.author-info .name { font-weight: 600; color: var(--text-primary); font-size: 0.95rem; }
.author-info .location { font-size: 0.8rem; color: var(--text-muted); }

/* FAQ */
.faq-container { max-width: 780px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--border-glass); }
.faq-question {
  width: 100%; display: flex; justify-content: space-between; align-items: center;
  padding: 24px 0; background: none; border: none; cursor: pointer;
  font-family: inherit; font-size: 1.05rem; font-weight: 600;
  color: var(--text-primary); text-align: left; transition: var(--transition);
}
.faq-question:hover { color: var(--accent); }
.faq-question .faq-icon { font-size: 1.2rem; transition: var(--transition); color: var(--accent); }
.faq-item.active .faq-icon { transform: rotate(45deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.4s ease; }
.faq-answer-inner { padding: 0 0 24px; color: var(--text-secondary); line-height: 1.8; }

/* LEAD FORM */
.form-section { background: var(--bg-secondary); border-radius: var(--radius-xl); padding: 64px; position: relative; overflow: hidden; }
.form-section::before {
  content: ''; position: absolute; top: -50%; right: -20%; width: 400px; height: 400px;
  background: radial-gradient(circle, var(--accent-glow), transparent 70%); opacity: 0.3;
}
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; position: relative; z-index: 2; }
.form-content h2 { margin-bottom: 16px; }
.form-content p { margin-bottom: 24px; }
.form-benefits-list { display: flex; flex-direction: column; gap: 12px; }
.form-benefits-list li { display: flex; align-items: center; gap: 10px; font-size: 0.95rem; }
.form-benefits-list .icon { color: var(--accent); }
.lead-form { display: flex; flex-direction: column; gap: 16px; }
.form-group label { display: block; font-size: 0.85rem; font-weight: 600; color: var(--text-primary); margin-bottom: 6px; }
.form-group select,
.form-group input {
  width: 100%; padding: 14px 16px; background: var(--bg-glass); border: 1px solid var(--border-glass);
  border-radius: var(--radius-sm); color: var(--text-primary); font-family: inherit; font-size: 1rem;
  transition: var(--transition);
}
.form-group select:focus,
.form-group input:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px var(--accent-soft); }
.form-group select { appearance: none; cursor: pointer; }
.form-disclaimer { font-size: 0.75rem; color: var(--text-muted); line-height: 1.6; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

/* TRUST BAR */
.trust-bar { background: var(--bg-secondary); padding: 48px 0; text-align: center; }
.trust-badges { display: flex; justify-content: center; align-items: center; gap: 48px; flex-wrap: wrap; }
.trust-badge { display: flex; flex-direction: column; align-items: center; gap: 8px; color: var(--text-muted); font-size: 0.85rem; }
.trust-badge .badge-icon { font-size: 2rem; color: var(--accent); }

/* FOOTER */
.site-footer { background: var(--bg-secondary); border-top: 1px solid var(--border-glass); padding: 64px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.footer-brand p { margin-top: 16px; font-size: 0.9rem; color: var(--text-muted); max-width: 320px; }
.footer-col h4 { color: var(--text-primary); margin-bottom: 20px; font-size: 0.95rem; }
.footer-col a { display: block; color: var(--text-muted); font-size: 0.9rem; padding: 4px 0; }
.footer-col a:hover { color: var(--accent); }
.footer-bottom {
  border-top: 1px solid var(--border-glass); padding: 24px 0;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 16px;
}
.footer-bottom p { font-size: 0.8rem; color: var(--text-muted); }
.footer-legal { display: flex; gap: 24px; }
.footer-legal a { font-size: 0.8rem; color: var(--text-muted); }
.footer-disclaimer { padding: 24px 0; border-top: 1px solid var(--border-glass); }
.footer-disclaimer p { font-size: 0.75rem; color: var(--text-muted); line-height: 1.7; max-width: 900px; }

/* CTA BANNER */
.cta-banner { text-align: center; background: var(--gradient-hero); position: relative; }
.cta-banner::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(circle at 50% 50%, var(--accent-glow), transparent 70%); opacity: 0.2;
}
.cta-banner .container { position: relative; z-index: 2; }
.cta-banner h2 { margin-bottom: 16px; }
.cta-banner p { margin-bottom: 32px; max-width: 560px; margin-left: auto; margin-right: auto; }

/* PAGE HEADER (inner pages) */
.page-header { padding: 140px 0 60px; background: var(--gradient-hero); text-align: center; position: relative; }
.page-header::before { content:''; position:absolute; inset:0; background: radial-gradient(circle at 50% 30%, hsla(163,100%,42%,0.06) 0%, transparent 60%); }
.page-header .container { position: relative; z-index: 2; }
.page-header h1 { margin-bottom: 16px; }
.page-content { padding: 80px 0; }
.page-content .content-wrap { max-width: 800px; margin: 0 auto; }
.page-content h2 { margin: 40px 0 16px; font-size: 1.5rem; }
.page-content h3 { margin: 32px 0 12px; font-size: 1.2rem; }
.page-content p { margin-bottom: 16px; }
.page-content ul { margin-bottom: 16px; padding-left: 24px; }
.page-content ul li { padding: 4px 0; position: relative; padding-left: 16px; }
.page-content ul li::before { content: '•'; position: absolute; left: 0; color: var(--accent); }

/* CONTACT FORM */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; }
.contact-info-cards { display: flex; flex-direction: column; gap: 20px; }
.contact-card { display: flex; gap: 16px; align-items: flex-start; padding: 24px; }
.contact-card .card-icon { width: 48px; height: 48px; border-radius: var(--radius-sm);  color: var(--accent); display: grid; place-items: center; font-size: 1.2rem; flex-shrink: 0; }
.contact-card h4 { margin-bottom: 4px; }
.contact-form-wrap .glass-card { padding: 40px; }

/* COOKIE BANNER */
.cookie-banner {
  position: fixed; bottom: 0; left: 0; right: 0; z-index: 9999;
  background: var(--bg-secondary); border-top: 1px solid var(--border-glass);
  padding: 20px 0; transform: translateY(100%); transition: var(--transition);
}
.cookie-banner.show { transform: translateY(0); }
.cookie-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.cookie-inner p { font-size: 0.85rem; color: var(--text-secondary); max-width: 700px; }
.cookie-buttons { display: flex; gap: 12px; }

/* SCROLL ANIMATIONS */
.reveal { opacity: 0; transform: translateY(30px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* EXIT MODAL */
.modal-overlay {
  position: fixed; inset: 0; z-index: 10000; background: rgba(0,0,0,0.7);
  display: none; place-items: center; backdrop-filter: blur(4px);
}
.modal-overlay.show { display: grid; }
.modal { background: var(--bg-secondary); border: 1px solid var(--border-glass); border-radius: var(--radius-xl); padding: 48px; max-width: 500px; width: 90%; text-align: center; position: relative; }
.modal-close { position: absolute; top: 16px; right: 16px; background: none; border: none; color: var(--text-muted); font-size: 1.4rem; cursor: pointer; }
.modal h3 { margin-bottom: 12px; }
.modal p { margin-bottom: 24px; }
.modal .lead-form { gap: 12px; }

/* RESPONSIVE */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .nav-links { display: none; position: fixed; top: 72px; left: 0; right: 0; background: rgba(255, 255, 255, 0.98); flex-direction: column; padding: 32px; gap: 20px; border-bottom: 1px solid var(--border-glass); box-shadow: var(--shadow-md); }
  .nav-links.open { display: flex; }
  .mobile-toggle { display: block; }
  .hero { padding: 100px 20px 60px; min-height: auto; }
  .benefits-grid { grid-template-columns: 1fr; }
  .steps-container { grid-template-columns: 1fr; }
  .insurance-grid { grid-template-columns: 1fr 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .stats-row { grid-template-columns: 1fr; }
  .form-section { padding: 32px 20px; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  section { padding: 64px 0; }
}
@media (max-width: 480px) {
  .insurance-grid { grid-template-columns: 1fr; }
  .hero-ctas { flex-direction: column; align-items: center; }
  .hero-trust { flex-direction: column; align-items: center; }
}