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

:root {
  --primary-navy: #0a192f;
  --navy-dark: #07111e;
  --navy-light: #132742;
  --royal-blue: #2563eb;
  --royal-blue-hover: #1d4ed8;
  --blue-accent: #38bdf8;
  --blue-soft: #eff6ff;
  --gold-accent: #f59e0b;
  --gold-hover: #d97706;
  --gold-soft: #fffbeb;
  --text-main: #0f172a;
  --text-muted: #475569;
  --text-light: #64748b;
  --bg-page: #f8fafc;
  --bg-white: #ffffff;
  --bg-card: #ffffff;
  --border-light: #e2e8f0;
  --border-subtle: #cbd5e1;
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-full: 9999px;
  --shadow-sm: 0 2px 4px rgba(15, 23, 42, 0.04);
  --shadow-md: 0 10px 25px -5px rgba(15, 23, 42, 0.08), 0 8px 10px -6px rgba(15, 23, 42, 0.04);
  --shadow-lg: 0 20px 35px -10px rgba(15, 23, 42, 0.12), 0 10px 15px -5px rgba(15, 23, 42, 0.06);
  --shadow-hover: 0 25px 40px -12px rgba(37, 99, 235, 0.18);
  --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --container-max: 1240px;
}

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

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

body {
  font-family: 'Inter', sans-serif;
  color: var(--text-main);
  background-color: var(--bg-page);
  line-height: 1.65;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
  font-family: 'Outfit', sans-serif;
  color: var(--primary-navy);
  font-weight: 700;
  line-height: 1.25;
}

a {
  text-decoration: none;
  color: inherit;
  transition: var(--transition);
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

ul, ol {
  list-style: none;
}

button, input, select, textarea {
  font-family: inherit;
  font-size: inherit;
  border: none;
  outline: none;
}

.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 24px;
}

.section-padding {
  padding: 90px 0;
}

.section-padding-sm {
  padding: 60px 0;
}

.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 56px;
}

.badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 16px;
  border-radius: var(--radius-full);
  font-size: 0.85rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 16px;
}

.badge-blue {
  background: var(--blue-soft);
  color: var(--royal-blue);
  border: 1px solid rgba(37, 99, 235, 0.15);
}

.badge-gold {
  background: var(--gold-soft);
  color: var(--gold-hover);
  border: 1px solid rgba(245, 158, 11, 0.25);
}

.badge-navy {
  background: rgba(255, 255, 255, 0.1);
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.2);
  backdrop-filter: blur(8px);
}

.section-title {
  font-size: 2.5rem;
  margin-bottom: 18px;
  letter-spacing: -0.02em;
}

.section-title-white {
  color: #ffffff;
}

.section-subtitle {
  font-size: 1.1rem;
  color: var(--text-muted);
}

.section-subtitle-white {
  color: rgba(255, 255, 255, 0.82);
}

.text-center {
  text-align: center;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 14px 30px;
  border-radius: var(--radius-md);
  font-weight: 600;
  font-size: 1rem;
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
}

.btn-primary {
  background: linear-gradient(135deg, var(--royal-blue), #1d4ed8);
  color: #ffffff;
  box-shadow: 0 4px 14px rgba(37, 99, 235, 0.35);
}

.btn-primary:hover {
  background: linear-gradient(135deg, #1d4ed8, #1e40af);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(37, 99, 235, 0.45);
}

.btn-secondary {
  background: #ffffff;
  color: var(--primary-navy);
  border: 1.5px solid var(--border-light);
  box-shadow: var(--shadow-sm);
}

.btn-secondary:hover {
  background: var(--blue-soft);
  border-color: var(--royal-blue);
  color: var(--royal-blue);
  transform: translateY(-2px);
}

.btn-gold {
  background: linear-gradient(135deg, var(--gold-accent), var(--gold-hover));
  color: #ffffff;
  box-shadow: 0 4px 14px rgba(245, 158, 11, 0.35);
}

.btn-gold:hover {
  background: linear-gradient(135deg, #d97706, #b45309);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(245, 158, 11, 0.45);
}

.btn-outline-white {
  background: transparent;
  color: #ffffff;
  border: 1.5px solid rgba(255, 255, 255, 0.4);
}

.btn-outline-white:hover {
  background: #ffffff;
  color: var(--primary-navy);
  border-color: #ffffff;
  transform: translateY(-2px);
}

.btn-block {
  width: 100%;
}

.site-header {
  position: sticky;
  top: 0;
  left: 0;
  width: 100%;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  z-index: 1000;
  border-bottom: 1px solid var(--border-light);
  transition: var(--transition);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 84px;
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: 'Outfit', sans-serif;
  font-size: 1.55rem;
  font-weight: 800;
  color: var(--primary-navy);
  letter-spacing: -0.02em;
}

.logo-icon-wrapper {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--primary-navy), var(--royal-blue));
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ffffff;
  font-size: 1.25rem;
  box-shadow: 0 4px 12px rgba(37, 99, 235, 0.25);
}

.brand-highlight {
  color: var(--royal-blue);
}

.desktop-nav {
  display: flex;
  align-items: center;
  gap: 36px;
}

.nav-link {
  font-weight: 600;
  font-size: 0.98rem;
  color: var(--text-muted);
  position: relative;
  padding: 6px 0;
}

.nav-link:hover,
.nav-link.active {
  color: var(--royal-blue);
}

.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 2.5px;
  background: var(--royal-blue);
  border-radius: var(--radius-full);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 18px;
}

.hamburger-btn {
  display: none;
  background: transparent;
  color: var(--primary-navy);
  font-size: 1.5rem;
  cursor: pointer;
  padding: 8px;
  border-radius: var(--radius-sm);
}

.mobile-menu-overlay {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100vh;
  background: rgba(10, 25, 47, 0.6);
  backdrop-filter: blur(4px);
  z-index: 1998;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.3s ease, visibility 0.3s ease;
}

.mobile-menu-overlay.active {
  opacity: 1;
  visibility: visible;
}

.mobile-drawer {
  position: fixed;
  top: 0;
  right: 0;
  width: 50%;
  min-width: 300px;
  max-width: 440px;
  height: 100vh;
  background: #ffffff;
  z-index: 1999;
  box-shadow: -10px 0 35px rgba(0, 0, 0, 0.15);
  transform: translateX(100%);
  transition: transform 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  display: flex;
  flex-direction: column;
  padding: 32px 28px;
  overflow-y: auto;
}

.mobile-drawer.active {
  transform: translateX(0);
}

.mobile-drawer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 36px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--border-light);
}

.mobile-close-btn {
  background: var(--bg-page);
  color: var(--primary-navy);
  width: 42px;
  height: 42px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  cursor: pointer;
  transition: var(--transition);
  border: 1px solid var(--border-light);
}

.mobile-close-btn:hover {
  background: var(--royal-blue);
  color: #ffffff;
  border-color: var(--royal-blue);
}

.mobile-nav-list {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 16px;
  text-align: center;
  width: 100%;
}

.mobile-nav-link {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 14px;
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--text-main);
  padding: 12px 16px;
  border-radius: var(--radius-md);
  transition: var(--transition);
  width: 100%;
  text-align: center;
}

.mobile-nav-link i {
  color: var(--royal-blue);
  width: 24px;
  text-align: center;
}

.mobile-nav-link:hover,
.mobile-nav-link.active {
  background: var(--blue-soft);
  color: var(--royal-blue);
}

.mobile-drawer-footer {
  margin-top: auto;
  padding-top: 28px;
  border-top: 1px solid var(--border-light);
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.hero-home {
  position: relative;
  min-height: 720px;
  display: flex;
  align-items: center;
  background-image: url('./images/hero.avif');
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  color: #ffffff;
  padding: 100px 0;
}

.hero-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(135deg, rgba(7, 17, 30, 0.94) 0%, rgba(10, 25, 47, 0.85) 60%, rgba(37, 99, 235, 0.4) 100%);
}

.hero-content {
  position: relative;
  z-index: 10;
  max-width: 820px;
}

.hero-title {
  font-size: 3.75rem;
  color: #ffffff;
  line-height: 1.15;
  margin-bottom: 24px;
  letter-spacing: -0.03em;
}

.hero-title span {
  background: linear-gradient(135deg, #60a5fa, #f59e0b);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-text {
  font-size: 1.25rem;
  color: rgba(255, 255, 255, 0.88);
  margin-bottom: 38px;
  max-width: 680px;
  font-weight: 400;
}

.hero-buttons {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  margin-bottom: 48px;
}

.hero-trust-bar {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  padding-top: 32px;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 0.95rem;
  color: rgba(255, 255, 255, 0.9);
  font-weight: 500;
}

.trust-item i {
  color: var(--gold-accent);
  font-size: 1.2rem;
}

.page-hero {
  position: relative;
  padding: 100px 0 80px;
  background-size: cover;
  background-position: center;
  color: #ffffff;
  text-align: center;
}

.page-hero-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(135deg, rgba(7, 17, 30, 0.92) 0%, rgba(19, 39, 66, 0.88) 100%);
}

.page-hero-content {
  position: relative;
  z-index: 10;
  max-width: 780px;
  margin: 0 auto;
}

.page-hero-title {
  font-size: 3.25rem;
  color: #ffffff;
  margin-bottom: 18px;
  letter-spacing: -0.02em;
}

.page-hero-text {
  font-size: 1.2rem;
  color: rgba(255, 255, 255, 0.85);
  margin-bottom: 24px;
}

.breadcrumb {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 8px 20px;
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(8px);
  border-radius: var(--radius-full);
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.8);
}

.breadcrumb a {
  color: #ffffff;
  font-weight: 600;
}

.breadcrumb i {
  font-size: 0.75rem;
  opacity: 0.6;
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 32px;
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.card {
  background: var(--bg-card);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}

.card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-hover);
  border-color: rgba(37, 99, 235, 0.2);
}

.card-padded {
  padding: 36px 30px;
}

.card-center {
  text-align: center;
  align-items: center;
}

.card-icon {
  width: 64px;
  height: 64px;
  border-radius: var(--radius-md);
  background: var(--blue-soft);
  color: var(--royal-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.65rem;
  margin: 0 auto 22px;
  transition: var(--transition);
}

.card:hover .card-icon {
  background: var(--royal-blue);
  color: #ffffff;
  transform: scale(1.08);
}

.card-icon-gold {
  background: var(--gold-soft);
  color: var(--gold-hover);
}

.card:hover .card-icon-gold {
  background: var(--gold-accent);
  color: #ffffff;
}

.card-title {
  font-size: 1.35rem;
  margin-bottom: 12px;
  text-align: center;
}

.card-text {
  color: var(--text-muted);
  font-size: 0.98rem;
  margin-bottom: 20px;
  flex-grow: 1;
  text-align: center;
}

.card-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-weight: 600;
  color: var(--royal-blue);
  font-size: 0.95rem;
  margin: auto auto 0;
}

.card-link:hover {
  gap: 12px;
  color: var(--royal-blue-hover);
}

.card-img-top {
  width: 100%;
  height: 220px;
  object-fit: cover;
  transition: transform 0.5s ease;
}

.card-img-wrapper {
  position: relative;
  overflow: hidden;
  width: 100%;
}

.card:hover .card-img-top {
  transform: scale(1.05);
}

.card-img-badge {
  position: absolute;
  top: 16px;
  right: 16px;
  background: rgba(10, 25, 47, 0.85);
  color: #ffffff;
  padding: 6px 14px;
  border-radius: var(--radius-full);
  font-size: 0.8rem;
  font-weight: 600;
  backdrop-filter: blur(6px);
}

.card-body {
  padding: 28px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  flex-grow: 1;
  width: 100%;
}

.feature-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin: 18px auto 24px;
  text-align: left;
  max-width: 320px;
  width: 100%;
}

.feature-list-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.92rem;
  color: var(--text-muted);
}

.feature-list-item i {
  color: var(--royal-blue);
  margin-top: 4px;
  font-size: 0.9rem;
}

.feature-list-item.gold i {
  color: var(--gold-accent);
}

.stats-bar-dark {
  background: var(--primary-navy);
  color: #ffffff;
  border-radius: var(--radius-lg);
  padding: 50px 40px;
  box-shadow: var(--shadow-lg);
}

.stat-item {
  text-align: center;
  padding: 10px 20px;
}

.stat-number {
  font-family: 'Outfit', sans-serif;
  font-size: 2.75rem;
  font-weight: 800;
  color: #ffffff;
  margin-bottom: 6px;
  background: linear-gradient(135deg, #ffffff, #93c5fd);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.stat-label {
  font-size: 0.95rem;
  color: rgba(255, 255, 255, 0.75);
  font-weight: 500;
}

.split-section {
  display: flex;
  align-items: center;
  gap: 60px;
}

.split-section.reverse {
  flex-direction: row-reverse;
}

.split-content {
  flex: 1;
}

.split-image-wrapper {
  flex: 1;
  position: relative;
}

.split-image {
  width: 100%;
  height: 480px;
  object-fit: cover;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}

.image-floating-badge {
  position: absolute;
  bottom: -24px;
  left: -24px;
  background: #ffffff;
  padding: 20px 26px;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 16px;
  border: 1px solid var(--border-light);
  max-width: 280px;
}

.floating-badge-icon {
  width: 50px;
  height: 50px;
  border-radius: 12px;
  background: var(--gold-soft);
  color: var(--gold-hover);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
}

.floating-badge-text strong {
  display: block;
  font-size: 1.1rem;
  color: var(--primary-navy);
}

.floating-badge-text span {
  font-size: 0.85rem;
  color: var(--text-muted);
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
  position: relative;
}

.step-card {
  background: #ffffff;
  padding: 36px 26px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-sm);
  text-align: center;
  position: relative;
  transition: var(--transition);
}

.step-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-hover);
  border-color: var(--royal-blue);
}

.step-number {
  position: absolute;
  top: -18px;
  left: 50%;
  transform: translateX(-50%);
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--royal-blue), #1d4ed8);
  color: #ffffff;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  box-shadow: 0 4px 10px rgba(37, 99, 235, 0.35);
}

.step-icon {
  font-size: 2rem;
  color: var(--royal-blue);
  margin: 16px 0 16px;
}

.step-title {
  font-size: 1.2rem;
  margin-bottom: 10px;
}

.step-desc {
  font-size: 0.92rem;
  color: var(--text-muted);
}

.cta-banner {
  position: relative;
  background-image: url('./images/2.webp');
  background-size: cover;
  background-position: center;
  border-radius: var(--radius-lg);
  overflow: hidden;
  padding: 80px 60px;
  color: #ffffff;
  text-align: center;
}

.cta-banner-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(135deg, rgba(7, 17, 30, 0.94) 0%, rgba(37, 99, 235, 0.85) 100%);
}

.cta-banner-content {
  position: relative;
  z-index: 10;
  max-width: 760px;
  margin: 0 auto;
}

.cta-banner-title {
  font-size: 2.75rem;
  color: #ffffff;
  margin-bottom: 18px;
}

.cta-banner-text {
  font-size: 1.15rem;
  color: rgba(255, 255, 255, 0.9);
  margin-bottom: 34px;
}

.cta-banner-buttons {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 16px;
}

.policy-panel {
  background: #ffffff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-light);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  margin-bottom: 48px;
  display: grid;
  grid-template-columns: 45% 55%;
  transition: var(--transition);
  align-items: center;
}

.policy-panel:hover {
  box-shadow: var(--shadow-lg);
  border-color: rgba(37, 99, 235, 0.3);
}

.policy-panel.reverse {
  grid-template-columns: 55% 45%;
}

.policy-panel.reverse .policy-panel-image {
  order: 2;
}

.policy-panel.reverse .policy-panel-content {
  order: 1;
}

.policy-panel-image {
  width: 100%;
  height: 100%;
  max-height: 100%;
  object-fit: contain;
  object-position: center;
  background: var(--bg-page);
  display: block;
}

.policy-panel-content {
  padding: 48px 42px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: flex-start;
  text-align: left;
}

.policy-panel-title {
  font-size: 2rem;
  margin-bottom: 14px;
  text-align: left;
}

.policy-panel-content .card-text {
  text-align: left;
}

.policy-spec-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  margin: 24px 0 28px;
}

.policy-spec-box {
  background: var(--bg-page);
  padding: 16px 20px;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
}

.policy-spec-box strong {
  display: block;
  color: var(--primary-navy);
  font-size: 0.95rem;
  margin-bottom: 4px;
}

.policy-spec-box span {
  font-size: 0.88rem;
  color: var(--text-muted);
}

.comparison-table-wrapper {
  background: #ffffff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-light);
  overflow-x: auto;
  box-shadow: var(--shadow-md);
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
}

.comparison-table th {
  background: var(--primary-navy);
  color: #ffffff;
  padding: 22px 24px;
  font-family: 'Outfit', sans-serif;
  font-weight: 700;
  font-size: 1.05rem;
}

.comparison-table th:first-child {
  border-top-left-radius: var(--radius-lg);
}

.comparison-table th:last-child {
  border-top-right-radius: var(--radius-lg);
}

.comparison-table td {
  padding: 18px 24px;
  border-bottom: 1px solid var(--border-light);
  font-size: 0.95rem;
  color: var(--text-muted);
}

.comparison-table tr:hover td {
  background: var(--blue-soft);
}

.comparison-table .table-feature-title {
  font-weight: 600;
  color: var(--primary-navy);
}

.comparison-table .icon-check {
  color: #10b981;
  font-size: 1.1rem;
}

.comparison-table .icon-cross {
  color: #94a3b8;
  font-size: 1rem;
}

.coverage-tier-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  align-items: stretch;
}

.tier-card {
  background: #ffffff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-light);
  padding: 44px 34px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  position: relative;
  transition: var(--transition);
  box-shadow: var(--shadow-sm);
}

.tier-card.featured {
  border-color: var(--royal-blue);
  box-shadow: var(--shadow-hover);
  transform: scale(1.03);
}

.tier-badge {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: linear-gradient(135deg, var(--royal-blue), #1d4ed8);
  color: #ffffff;
  padding: 6px 20px;
  border-radius: var(--radius-full);
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.tier-name {
  font-size: 1.65rem;
  margin-bottom: 8px;
  text-align: center;
}

.tier-desc {
  font-size: 0.92rem;
  color: var(--text-muted);
  text-align: center;
  margin-bottom: 24px;
}

.tier-scope {
  text-align: center;
  padding: 16px 0;
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
  margin-bottom: 24px;
  width: 100%;
}

.tier-scope-level {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--primary-navy);
}

.tier-scope-label {
  font-size: 0.85rem;
  color: var(--text-light);
}

.tier-features {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin: 0 auto 32px;
  max-width: 320px;
  width: 100%;
  text-align: left;
  flex-grow: 1;
}

.tier-feature-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.92rem;
  color: var(--text-muted);
}

.tier-feature-item i {
  color: var(--royal-blue);
  margin-top: 4px;
}

.calculator-box {
  background: #ffffff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-light);
  box-shadow: var(--shadow-md);
  padding: 44px;
  max-width: 900px;
  margin: 0 auto;
}

.calc-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
  margin-bottom: 32px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.form-label {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--primary-navy);
}

.form-control {
  padding: 14px 18px;
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-md);
  background: var(--bg-page);
  color: var(--text-main);
  transition: var(--transition);
  font-size: 0.95rem;
  width: 100%;
}

.form-control:focus {
  border-color: var(--royal-blue);
  background: #ffffff;
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.15);
}

textarea.form-control {
  resize: vertical;
  min-height: 130px;
}

.calc-result-panel {
  background: linear-gradient(135deg, var(--primary-navy), var(--navy-light));
  color: #ffffff;
  border-radius: var(--radius-md);
  padding: 32px;
  text-align: center;
  margin-top: 24px;
}

.calc-result-estimate {
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--gold-accent);
  margin: 8px 0;
  font-family: 'Outfit', sans-serif;
}

.calc-result-note {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.7);
}

.factors-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.factor-card {
  background: #ffffff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-light);
  padding: 32px 26px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 14px;
  transition: var(--transition);
}

.factor-card:hover {
  transform: translateY(-4px);
  border-color: var(--royal-blue);
  box-shadow: var(--shadow-md);
}

.factor-card-top {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 14px;
  text-align: center;
}

.factor-icon-wrap {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-sm);
  background: var(--blue-soft);
  color: var(--royal-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.35rem;
  flex-shrink: 0;
  margin: 0 auto;
}

.factor-title {
  font-size: 1.15rem;
  text-align: center;
}

.factor-desc {
  font-size: 0.92rem;
  color: var(--text-muted);
  text-align: center;
}

.magazine-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.magazine-card {
  background: #ffffff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-light);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  transition: var(--transition);
}

.magazine-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-hover);
}

.magazine-thumb-wrap {
  position: relative;
  overflow: hidden;
  height: 230px;
  width: 100%;
}

.magazine-thumb {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}

.magazine-card:hover .magazine-thumb {
  transform: scale(1.06);
}

.magazine-tag {
  position: absolute;
  top: 16px;
  left: 16px;
  background: var(--royal-blue);
  color: #ffffff;
  padding: 5px 14px;
  border-radius: var(--radius-full);
  font-size: 0.78rem;
  font-weight: 600;
  text-transform: uppercase;
}

.magazine-body {
  padding: 28px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  flex-grow: 1;
  width: 100%;
}

.magazine-meta {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  font-size: 0.85rem;
  color: var(--text-light);
  margin-bottom: 12px;
}

.magazine-meta-item {
  display: flex;
  align-items: center;
  gap: 6px;
}

.magazine-title {
  font-size: 1.28rem;
  margin-bottom: 12px;
  line-height: 1.35;
  text-align: center;
}

.magazine-excerpt {
  font-size: 0.93rem;
  color: var(--text-muted);
  margin-bottom: 20px;
  flex-grow: 1;
  text-align: center;
}

.accordion {
  display: flex;
  flex-direction: column;
  gap: 16px;
  max-width: 840px;
  margin: 0 auto;
}

.accordion-item {
  background: #ffffff;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}

.accordion-item.active {
  border-color: var(--royal-blue);
  box-shadow: var(--shadow-md);
}

.accordion-header {
  padding: 22px 26px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  background: #ffffff;
  user-select: none;
  font-family: 'Outfit', sans-serif;
  font-weight: 600;
  font-size: 1.1rem;
  color: var(--primary-navy);
}

.accordion-header:hover {
  color: var(--royal-blue);
}

.accordion-icon {
  color: var(--royal-blue);
  transition: transform 0.3s ease;
  font-size: 1rem;
}

.accordion-item.active .accordion-icon {
  transform: rotate(180deg);
}

.accordion-content {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease-out, padding 0.35s ease;
  padding: 0 26px;
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.6;
}

.accordion-item.active .accordion-content {
  padding: 0 26px 24px;
}

.contact-layout {
  display: grid;
  grid-template-columns: 1fr 1.35fr;
  gap: 40px;
  align-items: start;
}

.contact-info-card {
  background: linear-gradient(135deg, var(--primary-navy), var(--navy-light));
  color: #ffffff;
  border-radius: var(--radius-lg);
  padding: 44px 36px;
  box-shadow: var(--shadow-lg);
}

.contact-info-title {
  color: #ffffff;
  font-size: 1.85rem;
  margin-bottom: 12px;
}

.contact-info-desc {
  color: rgba(255, 255, 255, 0.8);
  font-size: 0.98rem;
  margin-bottom: 36px;
}

.contact-channels {
  display: flex;
  flex-direction: column;
  gap: 28px;
  margin-bottom: 40px;
}

.contact-channel-item {
  display: flex;
  align-items: flex-start;
  gap: 18px;
}

.channel-icon-wrap {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(8px);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-accent);
  font-size: 1.25rem;
  flex-shrink: 0;
}

.channel-content strong {
  display: block;
  font-size: 1rem;
  color: #ffffff;
  margin-bottom: 2px;
}

.channel-content span, .channel-content a {
  font-size: 0.92rem;
  color: rgba(255, 255, 255, 0.8);
}

.channel-content a:hover {
  color: #ffffff;
  text-decoration: underline;
}

.contact-social-bar {
  display: flex;
  gap: 14px;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
}

.social-circle-btn {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #ffffff;
  font-size: 1rem;
  transition: var(--transition);
}

.social-circle-btn:hover {
  background: var(--royal-blue);
  transform: translateY(-3px);
}

.contact-form-card {
  background: #ffffff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-light);
  padding: 44px;
  box-shadow: var(--shadow-md);
}

.form-row {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-bottom: 20px;
}

.form-group-full {
  margin-bottom: 20px;
}

.site-footer {
  background: var(--navy-dark);
  color: #ffffff;
  padding: 80px 0 32px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr 1.2fr;
  gap: 40px;
  margin-bottom: 60px;
}

.footer-brand-col {
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.footer-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: 'Outfit', sans-serif;
  font-size: 1.55rem;
  font-weight: 800;
  color: #ffffff;
}

.footer-desc {
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.93rem;
  line-height: 1.65;
  max-width: 320px;
}

.footer-heading {
  font-size: 1.15rem;
  color: #ffffff;
  margin-bottom: 22px;
  position: relative;
  padding-bottom: 8px;
}

.footer-heading::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 28px;
  height: 2px;
  background: var(--royal-blue);
  border-radius: var(--radius-full);
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-link {
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.92rem;
  transition: var(--transition);
}

.footer-link:hover {
  color: #ffffff;
  transform: translateX(4px);
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.92rem;
  margin-bottom: 14px;
}

.footer-contact-item i {
  color: var(--royal-blue);
  margin-top: 4px;
}

.footer-bottom {
  padding-top: 32px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.88rem;
  color: rgba(255, 255, 255, 0.6);
}

.footer-bottom-links {
  display: flex;
  gap: 24px;
}

.toast-container {
  position: fixed;
  bottom: 30px;
  right: 30px;
  z-index: 9999;
  display: flex;
  flex-direction: column;
  gap: 12px;
  pointer-events: none;
}

.toast-alert {
  pointer-events: auto;
  min-width: 320px;
  max-width: 440px;
  background: #ffffff;
  border-radius: var(--radius-md);
  padding: 18px 22px;
  box-shadow: 0 12px 35px rgba(0, 0, 0, 0.16);
  border-left: 5px solid #10b981;
  display: flex;
  align-items: center;
  gap: 16px;
  transform: translateX(120%);
  opacity: 0;
  transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1), opacity 0.4s ease;
}

.toast-alert.show {
  transform: translateX(0);
  opacity: 1;
}

.toast-icon {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: #ecfdf5;
  color: #10b981;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  flex-shrink: 0;
}

.toast-text-wrap {
  flex-grow: 1;
}

.toast-title {
  font-weight: 700;
  font-size: 0.95rem;
  color: var(--primary-navy);
  margin-bottom: 2px;
}

.toast-msg {
  font-size: 0.88rem;
  color: var(--text-muted);
}

@media (max-width: 1100px) {
  .footer-grid {
    grid-template-columns: repeat(3, 1fr);
  }
  .grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }
  .steps-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 992px) {
  .desktop-nav,
  .header-actions .btn {
    display: none;
  }
  .hamburger-btn {
    display: block;
  }
  .grid-3 {
    grid-template-columns: repeat(2, 1fr);
  }
  .split-section,
  .split-section.reverse {
    flex-direction: column;
    gap: 40px;
  }
  .policy-panel,
  .policy-panel.reverse {
    grid-template-columns: 1fr;
  }
  .policy-panel.reverse .policy-panel-image {
    order: 1;
  }
  .policy-panel.reverse .policy-panel-content {
    order: 2;
  }
  .policy-panel-image {
    width: 100%;
    height: auto;
    max-height: 400px;
    object-fit: contain;
    object-position: center;
    background: var(--bg-page);
    display: block;
  }
  .coverage-tier-grid {
    grid-template-columns: 1fr;
  }
  .tier-card.featured {
    transform: none;
  }
  .contact-layout {
    grid-template-columns: 1fr;
  }
  .factors-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .hero-title {
    font-size: 3rem;
  }
  .page-hero-title {
    font-size: 2.6rem;
  }
}

@media (max-width: 768px) {
  .section-padding {
    padding: 64px 0;
  }
  h2,
  .section-title,
  .policy-panel-title,
  .cta-banner-title,
  .contact-info-title {
    font-size: 1.75rem;
  }
  h3,
  .card-title,
  .tier-name,
  .magazine-title,
  .step-title,
  .factor-title {
    font-size: 1.2rem;
  }
  .hero-title {
    font-size: 2.4rem;
  }
  .hero-home {
    min-height: 600px;
    padding: 70px 0;
  }
  .page-hero {
    padding: 70px 0 50px;
  }
  .page-hero-title {
    font-size: 2.2rem;
  }
  .grid-2,
  .grid-3,
  .magazine-grid,
  .calc-grid,
  .form-row,
  .factors-grid,
  .steps-grid {
    grid-template-columns: 1fr;
  }
  .grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }
  .policy-spec-grid {
    grid-template-columns: 1fr;
  }
  .footer-grid {
    grid-template-columns: 1fr;
    gap: 36px;
  }
  .footer-bottom {
    flex-direction: column;
    gap: 16px;
    text-align: center;
  }
  .mobile-drawer {
    width: 65%;
    min-width: 260px;
  }
  .contact-form-card,
  .contact-info-card,
  .calculator-box {
    padding: 28px 20px;
  }
  .hero-content {
    text-align: center;
    margin: 0 auto;
  }
  .hero-content .badge {
    margin-left: auto;
    margin-right: auto;
  }
  .hero-text {
    margin-left: auto;
    margin-right: auto;
  }
  .hero-buttons {
    justify-content: center;
  }
  .hero-trust-bar {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px 20px;
    justify-content: center;
    max-width: 520px;
    margin: 0 auto;
  }
  .policy-panel-title {
    text-align: center;
  }
  .policy-panel-content {
    text-align: center;
    align-items: center;
  }
  .policy-panel-content .card-text {
    text-align: center;
  }
  .policy-panel-content .badge {
    margin-left: auto;
    margin-right: auto;
    align-self: center;
  }
  .split-content {
    text-align: center;
  }
  .split-content h2 {
    font-size: 1.45rem !important;
    line-height: 1.3;
  }
  .split-content .badge {
    margin-left: auto;
    margin-right: auto;
  }
  .split-content .section-title {
    text-align: center;
  }
  .split-content .section-subtitle {
    text-align: center;
    margin-left: auto;
    margin-right: auto;
  }
  .split-content .feature-list {
    text-align: left;
    margin-left: auto;
    margin-right: auto;
    max-width: 520px;
  }
  .split-content .feature-list-item {
    text-align: left;
  }
  .split-content .btn {
    margin-left: auto;
    margin-right: auto;
  }
  .contact-info-card {
    text-align: center;
  }
  .contact-info-card .badge {
    margin-left: auto;
    margin-right: auto;
  }
  .contact-info-title {
    text-align: center;
  }
  .contact-info-desc {
    text-align: center;
    margin-left: auto;
    margin-right: auto;
  }
  .contact-social-bar {
    justify-content: center;
  }
  .contact-channels {
    text-align: left;
    margin-left: auto;
    margin-right: auto;
    max-width: 420px;
  }
  .contact-channel-item {
    text-align: left;
    align-items: flex-start;
    justify-content: flex-start;
  }
  .channel-content {
    text-align: left;
  }
  .contact-form-card h2,
  .contact-form-card > p {
    text-align: center;
    margin-left: auto;
    margin-right: auto;
  }
  .cta-banner {
    padding: 50px 24px;
  }
}

@media (max-width: 480px) {
  .mobile-drawer {
    width: 80%;
  }
  h2,
  .section-title,
  .policy-panel-title,
  .cta-banner-title,
  .contact-info-title {
    font-size: 1.45rem;
  }
  .policy-panel-title {
    text-align: center;
  }
  .policy-panel-content {
    text-align: center;
    align-items: center;
  }
  .policy-panel-content .card-text {
    text-align: center;
  }
  .policy-panel-content .badge {
    margin-left: auto;
    margin-right: auto;
    align-self: center;
  }
  .contact-info-card {
    text-align: center;
  }
  .contact-info-card .badge {
    margin-left: auto;
    margin-right: auto;
  }
  .contact-info-title {
    text-align: center;
  }
  .contact-info-desc {
    text-align: center;
    margin-left: auto;
    margin-right: auto;
  }
  .contact-social-bar {
    justify-content: center;
  }
  .contact-channels {
    text-align: left;
    margin-left: auto;
    margin-right: auto;
    max-width: 100%;
  }
  .contact-channel-item {
    text-align: left;
    align-items: flex-start;
    justify-content: flex-start;
  }
  .channel-content {
    text-align: left;
  }
  .contact-form-card h2,
  .contact-form-card > p {
    text-align: center;
    margin-left: auto;
    margin-right: auto;
  }
  h3,
  .card-title,
  .tier-name,
  .magazine-title,
  .step-title,
  .factor-title {
    font-size: 1.1rem;
  }
  .hero-title {
    font-size: 1.95rem;
  }
  .page-hero-title {
    font-size: 1.85rem;
  }
  .hero-content {
    text-align: center;
    margin: 0 auto;
  }
  .hero-content .badge {
    margin-left: auto;
    margin-right: auto;
  }
  .hero-text {
    margin-left: auto;
    margin-right: auto;
  }
  .hero-buttons {
    flex-direction: column;
    width: 100%;
    align-items: center;
  }
  .hero-buttons .btn {
    width: 100%;
  }
  .hero-trust-bar {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 14px 10px;
    max-width: 100%;
    margin: 0 auto;
  }
  .trust-item {
    font-size: 0.82rem;
    gap: 6px;
    justify-content: flex-start;
  }
  .split-content {
    text-align: center;
  }
  .split-content h2 {
    font-size: 1.25rem !important;
    line-height: 1.3;
  }
  .split-content .badge {
    margin-left: auto;
    margin-right: auto;
  }
  .split-content .section-title {
    text-align: center;
  }
  .split-content .section-subtitle {
    text-align: center;
    margin-left: auto;
    margin-right: auto;
  }
  .split-content .feature-list {
    text-align: left;
    margin-left: auto;
    margin-right: auto;
    max-width: 100%;
  }
  .split-content .feature-list-item {
    text-align: left;
  }
  .split-content .btn {
    width: 100%;
  }
  .image-floating-badge {
    position: static;
    margin-top: 16px;
    max-width: 100%;
  }
  .grid-4 {
    grid-template-columns: repeat(2, 1fr);
    gap: 18px 12px;
  }
  .stat-item {
    padding: 8px 6px;
  }
  .stat-number {
    font-size: 2.1rem;
  }
  .stat-label {
    font-size: 0.82rem;
  }
}